Insure your car where it is primarily garaged, which means for the longest period of time each year. We have two cars registered in MA and one in FL. One car up north has never been to the Villages, and the other we drive to FL twice every year for a way too short visit. Our car registered in FL gets driven up north every May and returns to Fl in October for the winter. If your car is registered up north and is garaged up there for more than half of the year, then you are good. Who is going to prove that your car was in Florida for more than 90 days if you are a snowbird? As long is the vehicle is garaged up north for more than half of the year you should be all good.
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