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Insurance and License question

So we switched insurance and they said we need Florida drivers license and turn them in to them. Is this common? Do we have to get new license everytime he switches duty stations? I thought we wouldn't have to do that if he was on orders to be in that said state and kept Louisiana as our home state. Pardon me if I am wrong. TIA:)
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Re: Insurance and License question

  • No, SM's and their dependents do not need to get new licenses when you move for orders.  H and I still have WA licenses, but our auto insurance is in VA.  Plus my Jeep is registered in NY, and even that isn't a problem.  They are wrong.  Make sure they know that you are military.  
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  • We didn't have to change our DL when we switched insurance to FL, just when we registered our cars here. Who do you use for insurance? I don't know how much it was where you're from, but we were SHOCKED when it cost like $65 per new license, though it was nice that registering our cars here was SO much cheaper than Las Vegas.

    Where in FL are you?

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  • Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.
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  • imagednbeach12:
    No, SM's and their dependents do not need to get new licenses when you move for orders.  H and I still have WA licenses, but our auto insurance is in VA.  Plus my Jeep is registered in NY, and even that isn't a problem.  They are wrong.  Make sure they know that you are military.  

    They wouldn't let us register our cars here in FL if we didn't have FL DLs', even knowing H is military. 

    I ended up switching mine anyway because it was going to expire before I could get a new one in the mail from NV.

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  • imageSammy0709:
    Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.

    They don't require you to list where the car is being driven/kept?

    This is why our rates went through the roof, because FL requirement are different than NV.

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  • imageericandmarie:

    imagednbeach12:
    No, SM's and their dependents do not need to get new licenses when you move for orders.  H and I still have WA licenses, but our auto insurance is in VA.  Plus my Jeep is registered in NY, and even that isn't a problem.  They are wrong.  Make sure they know that you are military.  

    They wouldn't let us register our cars here in FL if we didn't have FL DLs', even knowing H is military. 

    I ended up switching mine anyway because it was going to expire before I could get a new one in the mail from NV.

    Yeah when my registration expires in August and I have to switch to VA registration they will probably make me get a VA license.  I know H had to get a WA license when he registered his car there.  I had switched mine immediately since we PCS'd about a month after the wedding so I never bothered changing my NY license to my married name.  But for auto insurance we had no problem with our stuff being from all different states.   

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  • imageericandmarie:

    imageSammy0709:
    Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.

    They don't require you to list where the car is being driven/kept?

    This is why our rates went through the roof, because FL requirement are different than NV.

    I don't recall listing where it was being driven/kept. I'm sure I'd remember if the asked. Hmmm...
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  • I could be wrong, but, I thought that as a military spouse not having to get a new license was part of being allowed to maintain your residency in the state that is your home of record. I'm interested now to see how this turns out for you.
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  • imageAmaristella:
    I could be wrong, but, I thought that as a military spouse not having to get a new license was part of being allowed to maintain your residency in the state that is your home of record. I'm interested now to see how this turns out for you.
    I second this.
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  • imageSammy0709:
    imageericandmarie:

    imageSammy0709:
    Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.

    They don't require you to list where the car is being driven/kept?

    This is why our rates went through the roof, because FL requirement are different than NV.

    I don't recall listing where it was being driven/kept. I'm sure I'd remember if the asked. Hmmm...

    I guess it could completely depend on your insurance company too.  We have USAA, and they were fine with me giving our VA address even with out of state licenses.  

    imageBabyFruit Ticker
  • imagednbeach12:
    imageSammy0709:
    imageericandmarie:

    imageSammy0709:
    Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.

    They don't require you to list where the car is being driven/kept?

    This is why our rates went through the roof, because FL requirement are different than NV.

    I don't recall listing where it was being driven/kept. I'm sure I'd remember if the asked. Hmmm...

    I guess it could completely depend on your insurance company too.  We have USAA, and they were fine with me giving our VA address even with out of state licenses.  

    Really!? We have USAA and when I called to switch our renters insurance to FL (2 years ago) they asked about the car and said we had to change them to this address regardless of what state we held DLs from (at the time was NV). Grrr! I wanted to keep my Nevada residency! 

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  • We go through Progressive and they said we had to because they wanted to have it in the papers but I was told we could keep our license from Louisiana because that is where our HOR is and the state we are taxed on. We want to keep Louisiana as our HOR state because we are going back in a couple years and will have to switch it all back. We are located in Fort Walton. I did mention he was military and I seriously don't think this girl knew what she was doing because she messed my name up and now our insurance papers have the wrong name
  • I have an NC driver's license, IN tags on my car, and MS insurance. Yep. Lol. My STBXH has an NC driver's liscense and MS tags and insurance.
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  • Would it make a difference if we had USAA?
  • We have USAA; H has a FL license and tags, and I have MS license and tags.  USAA told H that he can keep his FL stuff but that he had to have MS insurance because that is where the car is housed.
  • I am going to have to figure this out because I don't want to have to go through the driving class and tests to just have to change it back in a few years if he decides to get out. I will do it if I have to I just don't really want that hassle
  • imageIlovemyAirmanforever:
    I am going to have to figure this out because I don't want to have to go through the driving class and tests to just have to change it back in a few years if he decides to get out. I will do it if I have to I just don't really want that hassle

    Do they actually make you go through that in FL? NH was super relaxed. They took my CA license which was about 1 week expired at the time, made me fill out a form and gave me a temporary NH license the same day.

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  • imageKiller Cupcake:
    imageericandmarie:
    imagednbeach12:
    imageSammy0709:
    imageericandmarie:

    imageSammy0709:
    Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.

    They don't require you to list where the car is being driven/kept?

    This is why our rates went through the roof, because FL requirement are different than NV.

    I don't recall listing where it was being driven/kept. I'm sure I'd remember if the asked. Hmmm...

    I guess it could completely depend on your insurance company too.  We have USAA, and they were fine with me giving our VA address even with out of state licenses.  

    Really!? We have USAA and when I called to switch our renters insurance to FL (2 years ago) they asked about the car and said we had to change them to this address regardless of what state we held DLs from (at the time was NV). Grrr! I wanted to keep my Nevada residency! 

    Marie, you can keep your NV residency and insure the cars in FL. We have USAA, both the cars are registered in NV, our licenses are both NV, but the cars are insured here in CA. As long as the insurance company is licensed in NV, you can use them anywhere. USAA is licensed in CA and NV, so there wasn't a problem. 

    OP, you can keep your residency in your home state and get a drivers license for your current state WITH your resident address on it.  

    How do I go about doing that?
  • Also I can't find a single DMV! I have looked and asked and drove around and they all say it is around the same place but when I go to said place I can't find it. I told the lady on base and she said your not looking hard enough
  • imageAmaristella:

    imageIlovemyAirmanforever:
    I am going to have to figure this out because I don't want to have to go through the driving class and tests to just have to change it back in a few years if he decides to get out. I will do it if I have to I just don't really want that hassle

    Do they actually make you go through that in FL? NH was super relaxed. They took my CA license which was about 1 week expired at the time, made me fill out a form and gave me a temporary NH license the same day.

    I would think it would be simple for SM's and spouses but I guess not
  • imageKiller Cupcake:
    imageAmaristella:

    imageIlovemyAirmanforever:
    I am going to have to figure this out because I don't want to have to go through the driving class and tests to just have to change it back in a few years if he decides to get out. I will do it if I have to I just don't really want that hassle

    Do they actually make you go through that in FL? NH was super relaxed. They took my CA license which was about 1 week expired at the time, made me fill out a form and gave me a temporary NH license the same day.

    Yeah... LA makes you take a driving test every time you renew or get a license there even if you have a valid DL? 

    Yes in Louisiana its like that. Sometimes if your driving record is clean and you reach a certain age they will send you a new DL for a larger fee
  • KC it must have changed within the last year or so because when a family member was trying to get her license they told her she had to take a class and do all the tests
  • Lol I have no idea then. I am boggled by it. My mom used the mailing service just in May of last year
  • She was 36 at the time and no she had a Texas license before
  • DH's HOR and our licenses are issued from TN. We are residents of that state.

    We were able to register our cars and insure our cars in the United Kingdom and did not have to get UK driver's licenses. Moreover, when we moved to South Carolina we had the option of registering our vehicles in TN (since we are residents legally) or in SC since we are stationed here. We opted for SC out of sheer convenience but we could have done it for TN and then had a SC policy. 

    We also have USAA and IMO it sounds like they know their shiz a little better than Progressive does. I would also be surprised if you had to go through a whole testing process for a FL license if you possess a valid LA one. I walked right into a DMV in Nashville, TN with all my vital records and a piece of mail addressed to us at MIL's address. I turned in my MO license, took a new pic, and they issued me a new one for $20 or so.

  • You do NOT have to take a driving test to get a new liscense in Florida. Just putting that out there. The only thing I can think of that would make them do that is if you have an absolutely terrible driving record. 

    I would call your insurance company again and talk to a manager. You should not have to change your liscense. If they want proof you live there, send a copy of his orders. 

    image
  • imageKiller Cupcake:
    imageericandmarie:
    imagednbeach12:
    imageSammy0709:
    imageericandmarie:

    imageSammy0709:
    Did you list your current address or your home of record on your auto insurance? I believe, you have to list your home of record if you don't intend to get a new license. We always list HOR and never have had a problem.

    They don't require you to list where the car is being driven/kept?

    This is why our rates went through the roof, because FL requirement are different than NV.

    I don't recall listing where it was being driven/kept. I'm sure I'd remember if the asked. Hmmm...

    I guess it could completely depend on your insurance company too.  We have USAA, and they were fine with me giving our VA address even with out of state licenses.  

    Really!? We have USAA and when I called to switch our renters insurance to FL (2 years ago) they asked about the car and said we had to change them to this address regardless of what state we held DLs from (at the time was NV). Grrr! I wanted to keep my Nevada residency! 

    Marie, you can keep your NV residency and insure the cars in FL. We have USAA, both the cars are registered in NV, our licenses are both NV, but the cars are insured here in CA. As long as the insurance company is licensed in NV, you can use them anywhere. USAA is licensed in CA and NV, so there wasn't a problem. 

    OP, you can keep your residency in your home state and get a drivers license for your current state WITH your resident address on it.  

    Too late now. Whoever we spoke to two years ago told us wrong. Although, I'm happy to pay the $170 to have a car registered here than the $800 in Vegas! Ha!

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  • imageBrandienee85:

    You do NOT have to take a driving test to get a new liscense in Florida. Just putting that out there. The only thing I can think of that would make them do that is if you have an absolutely terrible driving record. 

    I would call your insurance company again and talk to a manager. You should not have to change your liscense. If they want proof you live there, send a copy of his orders. 

    I have a clean driving record. I will do this. I am so excited to not have to take a test hopefully. I am not on his orders. Unless I was put on them after we got married I don't know how all that works
  • Marie I did not know it was so cheap to register a car here. What kind of car do you have? I have a Pontiac Grand Prix. I wonder if its a "sports car" if it plays in on the price. I was told it would be alot cheaper here but I never thought it could be less then $500 in La it is $600 and that was in November. So there is no telling how much it will cost now. I know there is a fee every so long that it goes unregistered
  • Also how would you go about finding a DMV? I can't find one anywhere. I even looked in the phone book and googled it and still no results of where it is. I don't see how they expect someone who just moved here to find it
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