Second of all, I had this same issue. My corrupt insurance company (I know, redundancies) informed my parents that because you insure the PERSON in Florida, not the CAR, that I would not be permitted to take myself off of my parents’ car insurance policy unless I took legal residency in another state. To do this, they demanded that I get a MA license when I moved. The goon at the RMV wouldn’t even take my Florida license as ID; I had my expired passport, admissions letter, dorm assignment, tuition bill, verification of enrollment, birth cirtificate, social security card, AND a letter from my residence director. It still took four separate visits to get a DL, and they insisted on confiscating my Florida license.

Shortly before the ’04 presidential election, I discovered that what the insurance company told me was a total lie (shock, awe), so I got a duplicate Florida DL, got an absentee ballot, and paid taxes as a resident of Florida. I keep my legal citizenship in Florida to this day for tax and political reasons.