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Thanks,
Pat
I'm planning to buy my car when I'll be on my vacation for one week in the US. I wanted to buy the car at the beginning of my vacation to be sure everything was in order and to respect the "72 hours delay prior US customs...".
After contacting my insurance company, they told me they couldn't insure me more that 4 days in the US. I had asked for one week but it was refused, so I asked for at least 4 days to comply with the custom delay. They told me that they couldn't insure me longer in the US because their company only have provincial charter ?.
For different reasons, I still would prefer doing all the paperwork with the dealer at the beginning of my vacation...
So my questions are:
1-What do you think of their explanation for the maximum 4 days insurance in the US ?
2-Is it possible to be insured as a new owner of a car staying more than 4 days in the US ?
Hope I was clear, anxious to receive your precious help !
find a different agent as I was in the US and had the car insured for 2 weeks.
2-Is it possible to be insured as a new owner of a car staying more than 4 days in the US ?
Yes, once you get the VIN number you can insure the vehicle. I insured my car 2 days before leaving to pick up the car in LV and then vacationed for 10 day and drove back to Canada. I had a temp DMV tag from the dealer for 15 days so I could drive car back to canada and get it inspected and registared.
Your solution seems interesting !
Can you suggest the insurance company that accepted to insure you. It would be easier to contact them knowing they have done that before (canandian resident, american car, temp DMV, etc...)
Did you have to you contact them before leaving Canada, to have a quote and to be sure there would be no problems ?
Thanks !
I ended up switching to State Farm and they are able to provide coverage. BelAirDirect also can provide the coverage if you pick up the car but not having it shipped.
You need to switch your existing policy to them before they can insure you. For State farm they might be able to do it for a new policy as they have agents in US that can provide US insurance.
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Uninformed... is probably correct.. I'd check it with another dealer, though.
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That is the way it works in Ohio (and every other state I have lived in). Also, the sales tax is based on the COUNTY of residence, not the county of purchase.
I'm pretty sure Indiana isn't that way, though..
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Anyone know if perhaps there's a website or source of information on this that I can direct them to? It would just make this so much easier.
does anyone else know a dealer still selling to Canadians?
If you can purchase in Montana, I believe there is no State tax.
Michigan operates this way and the only way for you to really dodge this tax (if you plan to register the vehicle in Canada) is to give them a US address in one of the no-tax states (Alaska, Delaware, Montana, New Hampshire, Oregon, or New Mexico), or in one of the non-reciprocal states (Arkansas, DC, Maryland, Mississippi, Nebraska, North Carolina, Oklahoma, South Dakota and West Virginia). Barring that, you can also give them an address in one of the low-tax states (Alabama, Colorado, Virginia) which are all between 2-3%.
The caveat is that some Michigan dealers are claiming that if you give them an out-of-state address, they cannot offer you all of the available rebates but this sounds like hog-wash to me. I already checked with Toyota US for example, and they have no such restrictions on their rebates and the amount of the rebate is based on the dealer's location not where the vehicle is to be registered.
Another important thing to note is that some states (the non-reciprocal states I mentioned earlier) impose a 'use' tax at the time of registration, regardless of whether or not the dealer collected taxes out-of-state. Should'nt be an issue unless you actually plan to register the vehicle in one of those states.
I could not find similar information on taxes in NY but I believe my experiences in Michigan (and previously in Maryland) might give you some insight on how some states (possibly including NY) operate.
Please post what you find out on NY's out-of-state tax policies.
On another note, I also contacted the Ontario DMV and confirmed that there are no reciprocal agreements between Ontario and any of the US states for collecting taxes on vehicles but the agent suggested that we may be able to apply for a non-resident tax refund from the state that collected the tax. Anyone know if that is possible and how?
However, if I title it in the states (even for just one day) I am concerned that the import and registration process will be a bit more complex (since this would now be treated as title transfer) and the taxes a bit higher (since they may use red book instead of bill of sale to calculate GST/PST). Can anyone who's gone through this provide some insight?
Thanx.
Has anyone purchased a new BMW from a a dealer? If so, can you provide me with dealership name. I want to import to Canada. i am in Alberta, so somewhere in the West is preferable.
Thanks.
"Here is the way the residency rules work:
Toyota does not allow us to sell a New Toyota to Non-US residences.
There is no restriction on the Nationality of the person to whom we
sell, nor does the residence need to be the person's primary residence.
We simply must be able to show Toyota (if we were audited by them) that
sale documents were for a United States address.
There are no such restrictions on the sale of Pre-Owned Toyotas or
retired rental fleet vehicles.
If you have a US residence that we can use, then we can sell you a New
Toyota. Once the sale is complete, you are under no obligation to keep
your car in the US for any length of time.
If we use a US residence in the State of Washington, we will need to
charge Sales Tax (9.2% here in the Seattle area) and Washington State
license & registration fees (approx. $240 total).
If we are able to show the State of Washington evidence that you have a
residence in some other US state, then we are not obligated to collect
Sales Tax or registration fees - nor are we obligated to ensure that the
vehicle is taken to that state and registered. Accepted proofs of
residence would include fishing/hunting licenses, utility bills,
government documents to that address such as property tax assessment,
etc."
Update on my purchase decision: A dealership in Buffalo gave me an offer last Saturday but the color is white. My color preference is precision gray. And I just had first-hand comparison on how Canadian salespeople are so rude and hard to haggle with. With this US dealership, I emailed Sat morning 10am and I got a reply within 10 mins and with an offer!!!! He's even knowledgeable of the export/import process that he'll be the actual guy who will have all the needed documents ready for you when you pick up the car. All you have to provide him is your preferred border crossing so he can fax it to that location. And yes, there is no sales tax charged when you buy in NY state.
Thanx.
What type of cars do you sell? I'm in Nova Scotia.
Do you sell new Toyota? I plan to buy a RAV4 or a 2008 Highlander.