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Originally Posted by HiHoSteveO
Recently bought a second car in Massachusetts to use there periodically. My dilemma was in which state do I register and insure it legally?
The answer I received from our local villages insurance company AND two Massachusetts insurance companies was:
The car must be registered and insured in the state that it lives most of the time.
That worked out well because was much cheaper to register and insure there. ($50 for new title and either $30 or 35 to register and get the new plates) although must now get annual inspection sticker and pay an excise tax each year.
In Florida you must pay a $225. fee for "new wheels on the road" in addition to other fees. The previous poster about transferring the registration from old to the new car in FL is good advice. Would have to figure out how to get the car to FL though, but I think you can get a temporary tag to do that.
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Our situation is similar to that of the OP but your post is most similar to what we have experienced. We have one car in Florida with FL tags and a second car in NJ with NJ tags. Both cars are insured with Geico but insured in the particular states where the cars reside. We buy our cars in NJ for a host of reasons but a major one has been price.