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joe0508
Explorer
Explorer
I am planning on going full time in my rv.I would like to set my home base in tn.Can someone explain to me the steps I need to take in order to make this happen.I will not have a permanent address to give them when I go to register it nor will I have an address for the insurance and I will have to change the address on my licence.To what? I don't know.
joe money
25 REPLIES 25

Ray552
Explorer
Explorer
I was in a Missouri DMV in Warrensburg MO. and they would not take the mail box number from an Airman stationed at Whiteman AFB. He lives in the barracks and gets his mail in a box from his unit mail room. The reason he did not have it on any official document. He called and asked his 1sgt but no it had to be on an official letterhead to be used. They would not take a fax, email or pdf file but that is another rant.

They used to take the info as to unit verbally from the airman without the need for a PO box let alone an accurate confirmed address.


Missouri DMV's now mail you your license from a central site. They ant to make sure they have a good address but to me have made it harder for a lot of people . They cannot issue a license to you they can only input info for you to get license in the mail latter.

This could cause problems for snow birds and full timers.

I assume before full timing you make a decision as to what your permanent address is going to be and establish everything voting, snail mail, taxes, official state of residence, bank accounts, vehicle registration, boat registration, Gun registration/ cancel carry permit, fishing hunting license , professional license, club memberships with that address. Each person has things unique to them so not one correct answer.

Move to the state you want to use. Rent a PO box and stay in the area for 31 days or what ever it takes to establish residency then get everything switched over before you leave the area.

Do not try and have vehicles registered in several states or have several fishing license as a resident or use multiple addresses for different things.

joe0508
Explorer
Explorer
I plan on keeping my current ky driver license and registering it in ky and just get me some liability insurance.I decided to just keep truckin and keep it in storage so no need for full coverage.Liability will only be 157 versus 525 for full coverage.Man what a difference.I n nc I was paying 276 for full coverage.The cheapest I could find in ky was 350 for full coverage that was good sams.this is all annually.
joe money

wny_pat1
Explorer
Explorer
joe0508 wrote:
wny_pat wrote:
sdianel wrote:
Not sure if you can do it any longer. They require a physical address. http://www.tn.gov/safety/driverlicense/dlproof.shtml

And Joe, unless you gave up your CDL and interstate commercial driving, you want to be very careful about this!!!
why?
At one time, not that long ago, many truck drivers in this country had more than one drivers license from different states, that allowed them to drive truck, mainly cause they had higher odds of getting violation marks on their drivers license. To prevent drivers from having more than one license, the federal government implemented the current CDL system which is much more closely monitored than the regular state drivers license system. The CDL system is shared electronically between states and the fed. Makes it easier for them to keep track of you.

In addition to the federal CDL laws, there is the federal REAL ID Act of 2005, Pub.L. 109โ€“13, 119 Stat. 302, which modified U.S. federal law pertaining to security, authentication, and issuance procedures standards for the state driver's licenses and identification (ID) cards, as well as various immigration issues pertaining to terrorism. The federal REAL ID Act requires you to have a physical address, and not a P.O. box. Since 9-11, most states have quickly jumped on board with this law.

So back to your question of "why". Because if you hold a CDL, the federal government wants to keep better track of you, than their do the normal citizens who don't have a CDL.
โ€œAll journeys have secret destinations of which the traveler is unaware.โ€

TechWriter
Explorer
Explorer
hitchup wrote:
I don't know Techwriter. The chart prices aren't much different in SD than FL for my age group. Now if you're 21, which it defaults to, then that may be a difference.

I'm 63 and will need to buy my own health insurance for a bit. Currently, I'm buying COBRA at over $1000/month.

When I look at the premiums for my age in SD, FL, and TX, SD plans are a couple hundred dollars more per month. To me, that's significant.


hitchup wrote:

Trying to find which XYZ you would be in is even more difficult.


The "XYZ" are Rating Area Numbers -- the new ACA insurance rates are heavily based on where you live. There can not only be a lot of price variation between states, but also within a state.
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hitchup
Explorer
Explorer
I don't know Techwriter. The chart prices aren't much different in SD than FL for my age group. Now if you're 21, which it defaults to, then that may be a difference. Trying to find which XYZ you would be in is even more difficult.
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TechWriter
Explorer
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wnytaxman wrote:
Getting back to the OP's original question, besides finding out what establishes residency, you might also want to check out the sales tax laws . . .

. . . and upcoming health insurance costs if you are buying your own health insurance.

For example, of the three favorite full timer states -- South Dakota, Texas, and Florida -- Texas and Florida health insurance plans and costs are head and shoulders above South Dakota's.
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JohnnyT
Explorer II
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wnytaxman
Explorer
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ferndaleflyer wrote:
Don't make it more complicated than it is


The point is that the OP may be saving a thousand in insurance costs and end up paying several thousand in sales taxes, depending on the circumstances. Changing residency without a real permanent residence is not just a PO box solution.
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BarbaraOK
Explorer
Explorer
ferndaleflyer wrote:
Don't make it more complicated than it is


As a fulltimer, I can assure you that if things aren't set up correctly when you start, it can get VERY, VERY complicated. There are a whole host of things to consider when doing this, which is why the recommendation to go to a Fulltiming section for suggestions/information/advice from people who have been there, done it.

Barb

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ferndaleflyer
Explorer III
Explorer III
Don't make it more complicated than it is

wnytaxman
Explorer
Explorer
Getting back to the OP's original question, besides finding out what establishes residency, you might also want to check out the sales tax laws. TN has a very high sales tax if memory serves me correctly. As mentioned in a previous post, some states require you to pay their sales tax when you register your rig in that state or the difference between the tax you paid and their states sales tax rate.
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joe_b_
Explorer
Explorer
You don't have to "live" in a state to register, tag and insure, a vehicle but you do have to have an address. For a number of years I was claiming Colorado as a home state to vote, etc. as I owned a home there. I also had vehicles tagged and registered in Oklahoma as we owned a ranch there but didn't live on the property except for short visits, also still owned a home in Alaska and one in Florida. We were rapidly going broke, house poor so to speak. But I had vehicles in all the places but that is where they stayed. On a rare occasion I might drive one of my ranch pickups from Oklahoma to Colorado for a specific reason, but the truck went back to Oklahoma as soon as possible.

Our RV was tagged in Colorado, as was my driver's license. I had to pay $7,400 in sales tax to Colorado, when we moved there as I had purchased the Moho in a non sales tax state, Alaska. Now Colorado would have gotten very aggressive quickly if I had tried to domicile my Oklahoma tagged vehicles in Colorado, without tagging them in Colorado. You have to, in most cases, tag your vehicles where you plan to use them, on a permanent basis.

In Oklahoma, I gave the tag agency both a physical address, our ranch, and a mailing address, our Colorado address. We also ran a private mail box in Colorado for other reasons. I did the same in all the states. They want a physical address to find you if necessary, just like the address on your driver's license.

Many full time RVers establish a relationship with the Escapees Club in Texas. It is actually a privately owned business but has campgrounds, will receive mail, etc for you, you can use their address for everything including filing you federal taxes, etc., get a Texas tag, driver's license, etc and do it all in a lawful manner. Texas doesn't care how much or how little time you are in the state. Any state that feels someone is trying to evade paying state taxes owed, is going to have problems.

Florida, for one, is a non income tax state, so everyone, including our great Canadian snow birds, pay the state sales tax. The state appears to be more concerned with collecting state sales tax than the small amount collected on vehicle tag revenues. Sometimes it seems that half the car tags I see are from other states or provinces. Now for some unknown reason Florida does seem to get excited about out of state boat registrations, go figure.
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joe0508
Explorer
Explorer
wny_pat wrote:
sdianel wrote:
Not sure if you can do it any longer. They require a physical address. http://www.tn.gov/safety/driverlicense/dlproof.shtml

And Joe, unless you gave up your CDL and interstate commercial driving, you want to be very careful about this!!!
why?
joe money

wny_pat1
Explorer
Explorer
sdianel wrote:
Not sure if you can do it any longer. They require a physical address. http://www.tn.gov/safety/driverlicense/dlproof.shtml

And Joe, unless you gave up your CDL and interstate commercial driving, you want to be very careful about this!!!
โ€œAll journeys have secret destinations of which the traveler is unaware.โ€