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Old 03-12-2015, 12:12 PM   #1
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Choosing Domicile/buying a new car&registering

Oh, boy. I have more questions than I know what to do with!

Oh, experienced A/Steamers, please advise!

I live in CT, but I sold my house and bought a 30' Safari that I'm going to live and travel in starting in July. I am currently researching towing vehicles (a conversation in and of itself!) and once I buy it, will need to register it.

So, that leads to my question: If I am going to choose Texas as my domicile state using one of those wonderful mail services, do I need to go TO Texas to register my new TV and A/S? I'm thinking I might need to register it here first (since I live here until July) and then change once I get moving?

I'd love to hear of your experiences. I want to do this the right way....
Thank you kindly.
Kira
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Old 03-12-2015, 12:58 PM   #2
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Texas requires yearly inspections to vehicles and they may ask for that when you first register and title the vehicle. After that you can register every year online and not show proof of vehicle inspection. When I lived there sometimes I'd forget the inspection and then my next inspection renewal didn't coincide with my vehicle registration renewal.

If you are traveling outside of Texas and your inspection sticker expires you'd have to return to Texas to get it renewed. Most gas station, oil change and repair shops do inspections and there are even inspection only stations. It's a Mickey Mouse inspection. Only reason for it is for revenue generation.

Kelvin
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Old 03-12-2015, 01:47 PM   #3
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Florida, on the other hand, has no vehicle inspections, no personal property tax and relatively cheap annual tag fees.

We use St Brendan's Isle as our mail forwarding service/address.

Sbi@sbimailservice.com

Mike
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Old 03-12-2015, 01:48 PM   #4
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Kira: I'm also a CT resident who will be going on the road next spring. In anticipation, I've looked at a number of state for domicile purposes (Nevada, Texas, ND, Florida and Montana). I suggest you reach out to the Escapee Rv Club. There is also a law firm that specializes in domicile issues (Loring-800-260-1615). when considering domicile don't forget to look at auto insurance rates (Florida for instance has very high rates), options for medicare advance and supplemental coverage and taxes (some states don't wages but do tax interest and dividends (NH). Good luck in your search and I would be interested in knowing what happens.

Sam
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Old 03-12-2015, 05:49 PM   #5
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I don't have personal experience, but a friend who did this used South Dakota. Might be worth looking into.


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Old 03-12-2015, 05:59 PM   #6
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I strongly suggest South Dakota. No income tax and no vehicle inspections. You might want to check out My Dakota Address in Madison. Fantastic service, very inexpensive. Been with them 8 years and totally satisfied. You will have to go to SD to get your drivers license. Tags can be renewed online or the woman who runs the mailing service will take care of it for you - for a fee of course.
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Old 03-12-2015, 06:40 PM   #7
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Montana is really only good if you want to put your vehicles into an LLC. Florida has a large number of services setup for full-timers and the state's laws are designed for residents who are normally "snowbirds" anyways.

To the insurance comment, my insurance has been cheaper living in Florida than it was living in Virginia. But we have noted during our research that if we used Saint Isle as our domicile it'd go up.

Some of the taxes you pay, such as those on your cell phone statement are actually based on your billing zip code. So keep that in mind.
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Old 03-13-2015, 11:36 AM   #8
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Take a look at South Dakota as well.
Many good reasons to make it your domicile.
We did.
I suggest checking out America's Mailbox (and giving my name as your referral - email me for my info.)
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Old 03-13-2015, 11:43 AM   #9
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One of your considerations (among many) in choosing a domicile is healthcare insurance. If you are on medicare then it won't be an issue. However if you are younger, then the state of domicile for healthcare coverage becomes important.

Prior to 2013 the three most popular states for domicile for fulltimers were Texas, Florida and South Dakota. Starting in 2014 it became difficult to get adequate healthcare insurance for fulltimers in South Dakota.

Here is a link to a thread related to healthcare insurance and fulltiming Health Insurance Exchange 2015 (pre-Medicare Fulltimers) - iRV2 Forums. This link covers the healthcare insurance issues related to South Dakota.

I hope this helps in your decision.
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Old 03-13-2015, 11:46 AM   #10
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Here is a link to an article on domicile How to choose a full-time domicile?
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Old 03-13-2015, 11:51 AM   #11
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Interesting thread.

We are thinking of selling up in Chicago (easy decision) and possibly keeping the (very) small farm we have in Michigan, or just taking the plunge and go Airstreaming domiciled in somewhere like OR, WA, NV, FL. We hadn't considered SD and others mentioned above but we will look into those too.

Income tax is a driver for us, but we want somewhere that is a pretty place to be during Dec-Feb, and not too unpleasant in Jun-Oct. Some tax is OK.
The 'Goldilock's Zone'.
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Old 03-13-2015, 01:11 PM   #12
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One of the earlier posts mentioned registering your vehicle in Texas, and that after the first year you can mail in the registration paperwork without an inspection. As of this month, that is no longer true. Texas has gone to a single windshield sticker, instead of two (registration and inspection). The state computer system will now check registration renewals to see if the inspection has been completed within 90 days. (I think 90 days is the magic number). There is no longer an inspection sticker. Needless to say, some confusion has ensued since inspection months and renewal months have seldom matched in the past.
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Old 03-13-2015, 02:10 PM   #13
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Texas changes inspection and registration March 2015

Quote:
Originally Posted by KJRitchie View Post
Texas requires yearly inspections to vehicles and they may ask for that when you first register and title the vehicle. After that you can register every year online and not show proof of vehicle inspection. When I lived there sometimes I'd forget the inspection and then my next inspection renewal didn't coincide with my vehicle registration renewal.

If you are traveling outside of Texas and your inspection sticker expires you'd have to return to Texas to get it renewed. Most gas station, oil change and repair shops do inspections and there are even inspection only stations. It's a Mickey Mouse inspection. Only reason for it is for revenue generation.

Kelvin
Starting March 1, 2015, Texas registration require the inspection before doing the registration. The new registration sticker incorporates the inspection on one windshield sticker.

Dennis
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Old 03-13-2015, 03:56 PM   #14
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If you need health insurance in South Dakota, this agent is very good, and navigated all the changes for me.
Mike Monson <mike@bestchoice-ins.com>

Also, I'd like to submit my vote for America's Mailbox in SD Americas-Mailbox Home - mail forwarding - Americas-Mailbox
They keep your vehicles registered, and can make recommendations to services you might need. The owner is a full-time RV owner himself.
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