[kiransaravi]

Hi

I've relocated from Florida to Michigan on March, 2016.
I had my drivers license, number plate of my car and Progressive Auto Insurance - all on my Florida address.

After moving to MI, since my insurance is about to expire, I've taken AAA Auto Insurance in Michigan, and I've renewed my license to Michican. They have voided my Florida license on issuing my Michigan License.

I haven't changed my number plate yet. It is still Florida plate. But my license and Insurance is Michigan. I might be relocating in about 3 months time, hence I don't want to renew the plate which costs me like 200 bucks. And my birthday is in June, so anyways I want to renew my plate.
Given this situation, can i still renew my florida number plate? My insurance and license being MI.

Thanks in advance.

[jaynarie]

You do realize that this was supposed to be done within 30 days and that you will be fined if you are pulled over, correct?

You would have to check with Florida to see if you can renew your Florida plate. Again, that is breaking Michigan law, so I highly doubt it is possible.

You are lucky Michigan doesn't receive a lot of new residents. Some states (North Carolina for one) set up stings just to catch people who didn't change their plates.

[MS313]

Originally Posted by jaynarie

You do realize that this was supposed to be done within 30 days and that you will be fined if you are pulled over, correct?

You would have to check with Florida to see if you can renew your Florida plate. Again, that is breaking Michigan law, so I highly doubt it is possible.

You are lucky Michigan doesn't receive a lot of new residents. Some states (North Carolina for one) set up stings just to catch people who didn't change their plates.

Smh that's just horrible. Due to Michigan's ridiculous auto insurance rates, there are a ton of drivers here with out of state plates.

[belleislerunner]

That doesn't justify their criminal activity. They can take their anger to the polls and vote for politicians who are in favor of eliminating the Michigan no fault insurance laws (i.e. the only one in the state). Until residents hound their legislators - legislators are under the impression everyone loves no fault and having the higher insurance rate. It gives them "peace of mind" that liability won't be capped if they have an accident.

[jaynarie]

Originally Posted by MS313

Smh that's just horrible. Due to Michigan's ridiculous auto insurance rates, there are a ton of drivers here with out of state plates.

I don't think it is horrible. They are driving on the state's roads and likely using other resources that license plate fees go towards. Only fair to pay and not scam the system. I don't see how it is any different then setting up random stings/speed traps.

[MS313]

Originally Posted by jaynarie

I don't think it is horrible. They are driving on the state's roads and likely using other resources that license plate fees go towards. Only fair to pay and not scam the system. I don't see how it is any different then setting up random stings/speed traps.

You mean not scam the insurance companies that scam us? The gov and insurance companies effs us over on a regular basis but when the tables are turned... "their criminals! ". The only difference is they get away with it (because their politicians). There are thousands of people out there that can't afford the high insurance cost but they have drive to work everyday and provide for their family. Either that or do it the "legal" way and end up unemployed.

That doesn't justify their criminal activity. They can take their anger to the polls and vote for politicians who are in favor of eliminating the Michigan no fault insurance laws (i.e. the only one in the state). Until residents hound their legislators - legislators are under the impression everyone loves no fault and having the higher insurance rate. It gives them "peace of mind" that liability won't be capped if they have an accident.

I'm not justifying their criminal activity, but I'm also not going to act like I'm ok with the borderline criminal activity going on between the politicians and insurance companies. And yes... I wish people (especially young people in my age group) would take politics more seriously. The problem is there are too many people complaining and very few of us that are willing to take action. Most of my generation is more worried about legalizing weed.

[jaynarie]

Honestly, I get tired of hearing about the high car insurance rates. It was not that different when I lived out of state.

Same car (2012 SUV)
Michigan:
License plate tags: $88
Car insurance: $99/month (full coverage, I carry more than the minimum)
Yearly insurance and registration: $1,276

North Carolina (using numbers from 2013, which is when I last registered my car in NC):
License plate tags: $29
Vehicle Inspection: $30 (plus the time it took from my life to get it done)
Yearly property tax on vehicle: $255
Car insurance: $84/month
Yearly insurance and registration:$1,322 ($46 more than in Michigan)

Insurance may be higher in Michigan (stupid no fault law), but the cost of total vehicle ownership is about the same. My cousin just moved to Arizona three weeks ago and she was complaining on Facebook that her license plate was $440! I'm not sure what insurance rates are (I also don't know if they pay any other fees), but even with cheaper insurance, I'm betting you pay more in Arizona over the course of a year.

[metamorphosis]

Yep, when I lived in VA, I had to pay for my driver's license, the plate, the insurance, personal property tax, an annual state safety inspection and an emissions inspection every other year.

In MI, I pay for my driver's license, plate & insurance.

I agree that the insurance is high. What I would like to see are tougher requirements for obtaining a driver's license, but that's a whole 'nother thread.

[beachmouse]

Renewing a Florida plate requires the vehicle be insured in Florida- they do an insurance database check now to make sure you're covered when you renew it. (Was told that when renewing my FL plate a few weeks back)

[Zippyman]

Originally Posted by jaynarie

Honestly, I get tired of hearing about the high car insurance rates. It was not that different when I lived out of state.

Same car (2012 SUV)
Michigan:
License plate tags: $88
Car insurance: $99/month (full coverage, I carry more than the minimum)
Yearly insurance and registration: $1,276

North Carolina (using numbers from 2013, which is when I last registered my car in NC):
License plate tags: $29
Vehicle Inspection: $30 (plus the time it took from my life to get it done)
Yearly property tax on vehicle: $255
Car insurance: $84/month
Yearly insurance and registration:$1,322 ($46 more than in Michigan)

Insurance may be higher in Michigan (stupid no fault law), but the cost of total vehicle ownership is about the same. My cousin just moved to Arizona three weeks ago and she was complaining on Facebook that her license plate was $440! I'm not sure what insurance rates are (I also don't know if they pay any other fees), but even with cheaper insurance, I'm betting you pay more in Arizona over the course of a year.

as an AZ resident, our plate fees for newer cars are about the same as Michigan- after about 10 years, as the value of the car drops, a two-year plate goes down to about $40 bucks-ish, + about $30 for a smog test, which is usually pretty easy if your car isn't a hoopty. Basic coverage here is very cheap, but the state-mandated minimums are so low, that if you're involved in an injury accident & you own any assets, you can count on getting sued. Lawsuits & snarky insurance company tricks are the rule here & no fault insurance would be a godsend compared if you ever need to make a claim. In my situation, I buy way more than the minimum coverage here, then buy an "umbrella" policy for a million bucks coverage & still worry about getting sued & bankrupted after an accident. The grass is definitely not greener here. Even with super-cheap insurance available, about half of all our car accidents are hit-n-runs, so even "cheap" coverage won't persuade deadbeats to get coverage.

One of my wife's friends was involved in a bad accident - not her fault, the other driver fled & she *had* her own insurance. She had a closed-head injury, was unable to work, couldn't buy another car (no job), and had to sue her own insurance to get her bills covered. For a full year, she was unemployed & living off friends and family before her own insurance company finally paid up. That's why no-fault insurance & "too much regulation" is worthwhile.

Without the charity of her friends & family (and a lawyer!) she would have ended up homeless & hungry, through no fault of her own, even with insurance, doing everything right & legal.