[Untamed]

As Paul said above, contact your insurance company. Add the car to the policy and have them fax temporary insurance card to you at a location designated by you (FedEx Kinkos, her office / home, etc.). Once you have the signed title and temp insurance card, drive to their local DMV for temp tags to drive the vehicle home.

Perfectly legit, but all above takes a few hours to accomplish. So you'll want to arrive sometime midmorning or earlier to complete the sale so you have time to get all the paperwork in place to drive the car home.

Don't half ass this, and don't find quick and dirty ways around it. Look at the car and decide if you want it. If so, call your insurance company right away - they may even be able to suggest where the can fax things to (maybe even the DMV location nearest the seller) so you can complete the paperwork legally.