<p>Update: D called the Maryland MVA 
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<p>I can sign the title over to D, she needs to take the car to get a safety inspection, bring the safety inspection certificate along with the title, proof of Maryland Insurance, and $$ (to cover registration fee, MD title, and tax) to the MVA. And she’ll be done.</p>
<p>So my only job is to sign the title and send it!! hooray She can take care of the rest.</p>
<p>Gloworm, I would find out what to do. If your “student” is still in college i don’t think you have any problems since the student’s “home” for all practical purposes is still your home. The difference occurs when the student is no longer in school . As far as what happens, the worse case scenario is they get a ticket if they get pulled over and the officer can ascertain they they are actually living in that state permanently but have not changed their driver’s license/registration/insurance. My admin’s son never changed his license and registration and got a speeding ticket…a year later he got another speeding ticket and since he had a prior ticket the police officer had reason to give him a ticket for failure to register his car since clearly he was “living” in that state and “working” in that state, so our newly or relatively newly graduated kids would probably be OK if they don’t get stopped or if they get stopped ONCE but after that they might get a hefty fine.</p>
<p>Be careful about your sequence of events. you can get in lots of trouble for having a car in maryland without insurance. You want to make sure you don’t sign and date the title so it looks like it’s hers before she gets insurance in Maryland. I can’t remember the exact rules, but there can be a huge fine. Also, she may require something notarized from you indicating the car was gifted or sold to her for a dollar or something, otherwise they may charge her tax on the blue book value.</p>
<p>^Come to think of it, she did get a speeding ticket. Still, nothing said by our guy, nor the TX police, but I’m going to call my agent tomorrow just to make sure.</p>
<p>Thanks.</p>
<p>My S was in China for a year, left his car here, and his sister was in possession most of that time. We insured it with me as primary, my D as secondary, occasional drivers. He was an inactive driver or something of that nature. No change in title, and it remained in his name. This was Progressive Insurance, and getting the insurance switched was no big deal, and in fact cheaper, as it usually is when you remove a young male from a policy.</p>
<p>Gloworm, your daughter is a student. When our kids were students they could have OUR cars with them anywhere…no problems with insurance or the like…because their primary residence was our house. The car was in the other states temporarily.</p>
<p>Just went thru this with our son. He has a car that is registered in my name in Massachusetts, but he has been living in NJ for almost a year. We left the car in my name and on our insurance because he was in a “temporary” living situation (lived with his grandparents until he could find an apartment) and he didn’t want to register it and then have to change his address. We did tell our insurance company the car was garaged in NJ, which raised the rate. This didn’t seem to be a big deal to the insurance company - the car was garaged in PA when he was in college and our D’s car is garaged in NC during the school year.</p>
<p>Now he has moved into his own apartment, and we gave him the signed title to the car (we didn’t date it). He needs to get insurance, then re-register the car to himself in NJ using the signed title. We signed it over as a “gift” so he won’t owe any sales tax. </p>
<p>BTW, a search of the DMV website in the state the child now lives in will probably give you the regulations. S is way past the time limits to register his car and get a NJ license, but I don’t really know how they would enforce that rule. Now that his car is parked in his apartment parking lot he’ll have to get the NJ registration, but earlier it lived in his grandparent’s garage and he didn’t drive it very much (commuted to work on public transportation).</p>
<p>1214mom:</p>
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<p>this is what I was wondering about. Everything on the MVA website says that if a car is 7+ years old (and this one is), that the tax will be calculated on the greater of the sales price or $640. And that they may require documentation of the sales price. But they never say what kind of documentation they’d require. I’m assuming, that her excise tax would be calculated on $640 since the actual sales price is $1 (well actually, $0 :rolleyes: ) but I’ll have to confirm that with MVA.</p>
<p>I don’t know the rules in Maryland…but when we transfered the title to the kiddo in another state, we wrote a letter that said that it was a family transfer and no charge had been made for this. He did not have to pay tax on his “new car purchase” in his new state. Simply put…our family had already paid taxes here for this car…</p>
<p>Spoke to MVA. So on the back of the title, I’ll indicate the sale price as either $1, or “gift”. The tax will be calculated on a minimum book value of $640, so she’ll owe excise tax of $38.40. Plus other fees. </p>
<p>BUT, had this car been newer than 7 years old, they would have charged excise fees on the blue book value of the car. So if, for example, we had transferred the title of my new Audi :eek: the excise tax in MD would have been BIG, despite the fact that we already paid taxes here in CT. What a scam! In that case, it would be WAY worth it to transfer title here and then just move the registration to MD.</p>
<p>In CA, they have a form to complete to say that it was a gift between family members so you don’t have to pay the tax for giving the car to kiddo. Did it for S & will now be doing it for D.</p>
<p>Sadly, D will have to pay more to insure ONE CAR than we pay for insuring our three cars, INCLUDING that one car with excellent coverage (I know it’s because she’s onlyl 22 & has had one ticket)! Oh well, S had to as well. We will have the bills mailed to us so we are sure there is no lapse in coverage (as S had his lapse–too many moves).</p>
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<p>D got a break on her insurance.</p>
<p>We finally kicked DS off our car insurance policy at age 26.
Our company (NJ Manufacturers) offered him a policy at a great premium since he
had a clear record since getting his permit at 16.
It’s worth asking about.</p>
<p>My insurance company, Amica, said the worm would have to be off my policy Since his car in MA. By the way, AAA also insisted that by age 25, he needed his own plan, could no longer be part of family plan. Since my accidents have occurred when I was not at fault, I do not ever want to take a chance that I am not upfront with my company.</p>
<p>It is important to be honest with the insurer, because if they find you lied, it could affect your coverage and premiums.</p>
<p>Length of time with license, length of time since last accident/ticket etc. are important features and can reduce premiums. Don’t have premium info for our D but think her only having her license since about Jan 2011 & her age of only 22.5 plus one traffic violation combine to make her premiums fairly high. 
Good student discount with grades 3.0+ can also provide an additional discount, as can any theft deterent devices/alarms.</p>