My question involves vehicle registration or title in the state of:
My dad and I recently purchased (financed) a car together in State A, which is my dad's state of residence. They produced a title and registered the car in State A with both my dad and I on the title using his address. I want to take the car to State B and register and insure it there. I already have an insurance policy from state B and can register it there without a problem. However, state A's law (Dad's home state) says that the car cannot be driven in that state without it being registered there, since dad is a resident of that state and is an owner of the car on the title (it doesn't matter what state he is on the title in). Both state A and state B allow the car to be "dual registered" (registered in both states at the same time. However, each state has different insurance requirements and they both require that the vehicle carry state specific insurance.
Is there anyway around this? The only solutions appear to be 1.) Get dad off the title (which the finance company may not like) 2.) Buy two insurance policies for the same car (which seems like a chore as I doubt an agent from State A will write a policy for a car not garaged in that state) or 3.) never drive the car into state A, which prohibits me from visiting my dad.
Before, I waste two days on the phone, does anyone know if there are insurance companies that will insure a car garaged out of the state? How much is this going to jack the premium up?
Thanks!


