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Moving from one state to another is technically regarded as a long-distance move, even if it only involves crossing a state border. When relocating to a new state, you must complete many administrative tasks, which will affect your timeline and next steps. This is crucial whether you are moving across the country or just across the state line.
Here are some things you will need to do.
Obtain New State Registrations and Licenses
Update Vehicle Details
Registration and a title transfer are necessary when moving a car or truck between states. Title and registration from the state of origin are typically required.
Most states have registration requirements for recreational vehicles such as boats, motorcycles, campers, and trailers. Make sure you have everything you need to handle the transfers at the same time.
Transferring your license and registration should be done in person at the DMV rather than by mail. The DMV can help you with paperwork and ensure everything is in order.
Apply for a New Driver's Licence and State ID
You will need to transfer the vehicle information and registration in person and get your new license set up at the same time. Read the state's requirements first to know what to expect when you arrive. For instance, some states call for comprehensive testing, including driving, vision, and written exams. Others may simply require the exchange of your old license.
Register Your Business
Many people operate businesses out of their homes, and some communities require registration. You might be tempted to skip this because it does not seem crucial right now, but don't. It can take time to get back on track with state mandates.
Acquire Insurance Coverage in the New State
Ensure Auto Insurance Coverage
Check your car insurance policy or call your agent to find out what coverage you will have while moving. In addition, inquire about reliable brokers and service providers in your new state. Most people have insurance companies that operate in more than one state, but that does not mean their coverage will automatically move with them. Do not assume that your policy will automatically follow you if your insurance provider is a national one. Because of your new residence, you will require a new policy.
Check Recreational Vehicle Insurance
The same holds for any additional property insurance you may have. Even if a vehicle does not need state registration, consider it for insurance. Make sure you are protected from liability to property damage.
Obtain Health and Medical Coverage
The majority of medical insurance coverage depends on where you live. If you do not have a company that provides health insurance, begin your search early. Your previous state's insurance policy will not cover you in your new state. It is ideal to have the policy in place before moving in.
Most people conduct the majority of their banking online. Because of this, local bank access is often overlooked. If you sometimes use the local bank branch, check your current bank's locations to see if they have one close to your new home. If not, it is best to find a branch of another institution and open an account before you move.
Know the State’s Taxes
Research the tax differences between your old and new states before relocating. Some states have similar tax systems. However, where differences exist, they can be surprising. The effects of the taxes can vary depending on where you move.
Check Out the Sales and State Income Tax
Sales taxes affect everyday purchases. Some states have no sales tax, while others have up to 10% with overlapping taxing authorities. Local governments may have taxing authority in addition to state sales taxes.
Some states have income taxes similar to sales taxes. This has clear effects on how much money you bring home.
Determine Property Taxes
If you buy instead of rent when moving to a new state, you must consider how property taxes will affect you. Setting up an escrow as part of your mortgage payment is a great way to deal with property tax bills. The lending company will make the payments and see that the sum is accounted for in your monthly budget.
There are a lot of things to do when moving. When making a long-distance move, the tasks are more complex. Start the process early to fit it all in before move day.
Speaking with locals in the new state is one way to learn more about the state variations. You can learn much about the local schools, tax rates, and other things from your prospective neighbors.
Let us help make your long-distance move manageable. We provide dedicated coordinators, movers, and drivers to ensure a stress-free move regardless of destination. Contact us today for a free quote.