Here's our situation:
My wife and I are residents of TX and both our cars are registered in TX. We also have TX DLs. She moved to SC to live w/ her parents for six months while I'm going through training. We are planning on buying her a new car and registering here in SC while she's here. We are also PCSing to McGuire in July.
I've called all three state DMVs and now I'm more confused than ever.
First off, can we transfer her TX plates over to the car we buy in SC? If so, how much more will we pay? SC has a sales tax cap of $300 for vehicles. So it seemed like a better gig, but I'm hearing I'll still have to re-register in NJ. Second, SC's DMV says if we move to NJ and have NJ insurance we have to turn in our SC plates back to them or pay a $400 fine--thus forcing us to register in NJ. Third, NJ says we have to register the cars in NJ regardless if we're military. The cost for her car alone is: $40 for title tranfer from the lien holder, plus $59 up front for four years so $236 (if the car weighs less than 3500lbs, $84 if more), AND 7% sales tax less the $300 we paid in SC. So as you see that's close to $2000 for her car alone. WTF?? Am I missing something?
Also, how does all of this work with insurance too? I have to carry insurance for the state I'm living in correct? So if I want to keep the cars registered in TX, don't I have to have TX insurance?
I thought we could keep DLs and registrations in one state alone w/out paying for new shit every time we PCS. Any advice would be greatly appreciated. Thanks!