Keep in mind that importing the vehicle and registering/insuring it are 2 different things. You can import the vehicle through CPB (Federal) and they don't care about registration/insurance (State). My experience was as follows: before I left Canada I spoke to my insurance company and they continued coverage as long as my vehicle was registered in Canada. On my initial entry in to the US, I had my visa stamped and I imported my vehicle which was still registered in Ontario. I continued to drive with Canadian plates and insurance until I received my SSN so I could then get my Michigan drivers license. I had to get US insurance on the vehicle before I could get it registered and plated, so once I had SSN/Michigan DL & US insurance, I registered the vehicle with the SOS and got it plated and then cancelled my Canadian insurance. It was about a month from importing to when I got it registered in Michigan and drove back and forth a few times from/to Canada during that time with no issues. As long as your insurance company will cover you while it is registered in Canada, you could just import it and get it registered in the US later.