Go Back   iRV2 Forums > RV LIFE STYLES FORUMS > Full-Timers
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
 
Thread Tools Search this Thread Display Modes
 
Old 02-05-2009, 07:26 AM   #1
Senior Member
 
MtManLee's Avatar
Official iRV2 Sponsor
 
Monaco Owners Club
Workhorse Chassis Owner
Join Date: Mar 2007
Location: Utah
Posts: 611
I have been thinking on changing my residence. Only thing holding me up is being tax exempt due to being a veteran. Hers is what it amounts to. We pay 12 dollars for registration of our RV it would be 1500 more if I were not a veteran for yearly taxes. Ok savings 1500. When we file yearly taxes we pay 400+ for state taxes on income. So I am still saving 1100 give or take.
Also would vehicle insurance go down any? It would probably go up in Florida from all that I have heard. I pay 1100 a month now with allstate and I am getting ready to change to GMAC for 800 a month.
What does one pay in those other states that have no income tax?
Would I save any more by changing or am I money ahead already?
__________________

__________________
Lee and Fran
Holiday Rambler Vacationer
While traveling down lives paths stop to smell the flowers.
MtManLee is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 02-05-2009, 09:12 AM   #2
Administrator in Memoriam
 
Hitchhiker's Avatar


 
Appalachian Campers
Join Date: Jan 2000
Location: Buladean, NC
Posts: 8,127
Quote:
pay 1100 a month now with allstate and I am getting ready to change to GMAC for 800 a month.
Seems high, you might want to get a quote from these folks, I use them for my fifth wheel and it's only $452 per year. I realize a MH is more but $1100 a month seems excessively high to me. That works out to $13,200 a year.
__________________

__________________
'11 GMC Acadia SLT AWD
'11 GMC Sierra 1500 4x4 Extended Cab
Hitchhiker is offline   Reply With Quote
Old 02-05-2009, 09:22 AM   #3
Senior Member
 
AFChap's Avatar
 
Winnebago Owners Club
Spartan Chassis
Join Date: Aug 2002
Location: ...hopefully on the road!
Posts: 4,732
Insurance cost varies a great deal depending on your driving record and credit rating, among other things. I have an '03 motorhome, 40' diesel, licensed in Polk County TX. Last year registration cost was $202. Fulltimer full-coverage insurance through Explorer RV is apx $1,400 a year. Texas does have some tax and other benefits for veterans, but you must be rated 50% or higher disabled as I recall. Something else to consider, on your federal income tax you can deduct either your state income tax paid OR sales tax paid based on your address and income, so even though there is no state income tax, you still get a federal deduction for state taxes paid if you itemize.
__________________
Paul (KE5LXU) ...was fulltimin', now parttimin'
'03 Winnebago UA 40e / '05 Honda Odyssey toad
AFChap is offline   Reply With Quote
Old 02-05-2009, 09:55 AM   #4
Senior Member
 
FlyingDiver's Avatar
 
Newmar Owners Club
Join Date: May 2007
Location: Somewhere....
Posts: 3,826
When I was shopping around for insurance for our MH, Allstate was so far out of line that I dropped them for all insurance. We got our (MH, toad, Umbrella) from FCIS agency. They placed us with Allied (division of Nationwide). I think we're paying about $3k per year for everything, which includes the full-timers coverage on the MH

joe
__________________
2008 King Aire 4562, Spartan K3(GT) w/ Cummins ISX 600
2014 Jeep Grand Cherokee Overland 5.7L V8 Hemi w/ Blue Ox Aventa LX Tow Bar and baseplate, SMI Air Force One brake
FlyingDiver is offline   Reply With Quote
Old 02-05-2009, 10:22 AM   #5
Senior Member
 
LindaH's Avatar
 
Winnebago Owners Club
Join Date: Nov 2002
Location: Spokane, WA
Posts: 1,545
Quote:
Originally posted by MtManLee:
I pay 1100 a month now with allstate and I am getting ready to change to GMAC for 800 a month.
A MONTH???!!!

Are you sure those insurance figures aren't annual figures, or at least the premium for 6 months?
__________________
2014 Winnebago Aspect 27K
2011 Kia Soul
LindaH is offline   Reply With Quote
Old 02-05-2009, 04:47 PM   #6
Senior Member
 
Workhorse Chassis Owner
Join Date: Jun 2006
Location: Northwestern Montana
Posts: 3,146
$1100 a month!! Aye, Chihuahua!!


Dieselclacker
__________________
Dieselclacker
dieselclacker is offline   Reply With Quote
Old 02-06-2009, 02:31 PM   #7
Senior Member
 
MtManLee's Avatar
Official iRV2 Sponsor
 
Monaco Owners Club
Workhorse Chassis Owner
Join Date: Mar 2007
Location: Utah
Posts: 611
Oops it is 1100 a year. My error. And the GMAC was 845 a year.
__________________
Lee and Fran
Holiday Rambler Vacationer
While traveling down lives paths stop to smell the flowers.
MtManLee is offline   Reply With Quote
Old 02-06-2009, 03:04 PM   #8
paz
Senior Member
 
paz's Avatar
 
Join Date: May 2005
Location: Full-timers - Home is where we park it.
Posts: 4,716
AFChap is right - insurance costs can vary greatly from person to person and from state to state. For us, SD vehicle insurance was about $800 a year less than Texas for the exact same coverage. Because of the low population in SD, there aren't as many accidents, so vehicle insurance costs are very low.

SD also only charges 3% tax on vehicle purchases, while I think Texas sales tax is at least 6% (some counties may charge more). This might be significant if you're thinking of purchasing a new vehicle in the near future. SD also does not have vehicle inspections.

Health insurance wasn't an issue for us because we have employer-subsidized health insurance that is good all over the country. However, for those not yet eligible for Medicare who don't have employer-subsidized of military insurance, health insurance costs might be a big deal.
__________________
2015 DRV Tradition 375KPS
2015 Chevy Duramax 3500HD LTZ Dually
Full-timers...Home is where we park it.
Check out our blog: Living Our Dream
paz is offline   Reply With Quote
Old 02-06-2009, 09:24 PM   #9
Senior Member
 
Join Date: Jan 2004
Location: Canyon, TX
Posts: 511
My insurance in Texas on my motorhome runs $ 1,400 per YEAR.

My toad, a 2006 GMC Envoy is a little over
$ 600 per YEAR.

That is in Randall County Texas.
__________________
Traveling America In
"God's Grace"
MikeandClaudia is offline   Reply With Quote
Old 02-06-2009, 09:26 PM   #10
Registered User
 
Excel Owners Club
Join Date: Jan 2007
Location: North of the Mason Dixon Line
Posts: 1,565
What ever you do decide there are trade offs for no state income tax vrs. income tax. Make sure to read the fine,fine points of any Companies insurance . Each state has different state laws that the insurance companies follow. For example South Dakota doesn’t require insurance companies to cover a multiple collision, By a multiple I am referring to this, say you back you’re motor home into you’re toad. They are both covered but both will use a deductible instead of one deductible for the motor home and the toad at 100% . Book2
__________________
BookIIRoadtrash is offline   Reply With Quote
Old 02-07-2009, 07:18 AM   #11
Senior Member
 
MtManLee's Avatar
Official iRV2 Sponsor
 
Monaco Owners Club
Workhorse Chassis Owner
Join Date: Mar 2007
Location: Utah
Posts: 611
Thanks for that information. I guess I will hang tuff for now.
__________________
Lee and Fran
Holiday Rambler Vacationer
While traveling down lives paths stop to smell the flowers.
MtManLee is offline   Reply With Quote
Old 02-07-2009, 04:49 PM   #12
Senior Member
 
Greyhound's Avatar
 
Join Date: Jan 2004
Location: Any where we park
Posts: 150
We started in Texas when we went full time eight years ago, then moved to New Mexico, big mistake and now we are in South Dakota. Major reason for SD was the sales tax when purchasing a new rig. Texas was 6%, SD 3%. License fees about the same, however if you go to SD, check the county to see if there is a wheel tax. We are in Pennington County (Rapid City) and no wheel tax. Insurance is about the same, yet as others mentioned, depends on a number of variables.
Hope this provides additional "food for thought"
Bob
__________________
2008 Gulf Stream Tour Master T40B 330 Mercedes
Greyhound is offline   Reply With Quote
Old 03-18-2009, 05:57 PM   #13
Member
 
WldKargo's Avatar
 
Excel Owners Club
Join Date: Jan 2008
Location: Currently in Virginia
Posts: 64
When Changing Domicile

Check on other items such as health care insurance (availability and cost); vehicle registration and taxes; vehicle insurance; and anything else you can think of.

In our case, the medical coverage costs for SD are higher. YMMV.

Cheers,
__________________
Chris and Helen

Da Kittens (Dora and Inky)
WldKargo is offline   Reply With Quote
Old 04-29-2009, 04:10 PM   #14
Senior Member
 
alan1's Avatar
 
Monaco Owners Club
Newmar Owners Club
Join Date: Aug 2000
Location: little rock, ar
Posts: 254
Real ID Act

You may need to check your states status of the feds Real ID Act. I use SD and as of 1/1/2010 I must show a utility bill or something showing I actually live there. PMB number will not work any more. I may need to rent an Apt. for a month and get elect. hooked up and get a bill or something. I don't know how that 16 year old will get his first license and examples go on and on.
__________________

__________________
2016 Newmar King Aire 4553
2017 Ford Explorer toad
alan1 is offline   Reply With Quote
Reply



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Outgassing - Fulltimers FTRVR MH-General Discussions & Problems 7 11-30-2008 02:25 PM
Fulltimers: How often do you replace. . . D and J Excel Owner's Forum 9 07-11-2008 03:24 PM
Texas Vehicle Inspection Question TurtleBack MH-General Discussions & Problems 8 01-27-2008 08:40 PM
Fulltimers and 4x4 Towing Question LIKENIT Trailer Towing and Tow Vehicles Discussion 12 02-24-2007 08:18 AM
Myrtle Beach to Florida rt 17 question jim hutch Navigation, Routes & Roads 9 12-08-2006 06:15 AM

» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 01:57 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.