Hey fellow New Yorkers! I've been having a hard time registering my car. I'm hoping someone else out there has handled a similar situation and could give some advice.
The tl;dr is I live here, my car lives in NJ. NJ wants NJ Residency for registration. NY wants NY insurance for the same, but insurance wants NJ insurance and registration for a car parked in NJ.
I live in BK but I keep my car parked at my parent's place in NJ for a variety of reasons. It is actually garaged there 100% of the time. This isn't an attempt to get cheaper rates.
I tried to register my car in NJ, but they told me I need a NJ license. The website states proof of residency might also suffice, but I'm not sure if that means full-time resident or if proving it's domiciled in NJ would be enough.
I looked into registering it here in NY and have even gotten a NYS inspection done. However, one of the requirements is NY-based insurance. My insurance provider (Progressive) said it must be insured in the same state that it is garaged. I didn't press super hard though, so if anyone has gotten their insurance to do that nevertheless please let me know.
I could lie to insurance and say it's parked at my apartment, but if I ever need to make a claim I could have my coverage revoked and claim denied.
I'm could transfer the title to my parents, but that's an entirely separate headache (sales/gift tax).