Hey everyone, I need some advice. I’m a 20-year-old college student, and my family lives in Texas while I attend school in New York. I’m looking to buy a car, and it seems more practical to purchase it in New York and register it there. Another option is buying a certified pre-owned car online and having it shipped to my address in NY. One issue with buying in Texas is the annual inspections required for TX registered cars, which I won’t be able to manage every year since I’ll leave the car in NY during breaks.
So here’s my main question: Can you register a car in one state and have the insurance in another? Registering in NY makes sense because I’ll be using the car there for the foreseeable future, but insurance quotes there are too expensive for me. I’ve never been on my family’s insurance plan (got my license at 18), and quotes are quoting me around $2500 for a six-month payment. Can my dad add me to his insurance plan in Texas even though the car will be registered in NY? I’ve heard NY has strict car insurance laws.
Any suggestions or ideas would be greatly appreciated.