Richard, I can tell you how those laws are gotten around.
One person owns the car....has the liscense, tags, etc. Pays the taxes to get the tags. LOTS of people drive it. And no, a person does NOT have to have a Drivers Liscense in order to buy a car.

The registered owner will go to an insurance company and pay for insurance for ONE month. The card that is then issued has a date ONE YEAR from the payment date. No other payments are ever made.

No insurance checks are done when a vehicle is sold. The buyer is responsible for NEW insurance and inspections.