The title is not in my name. I convinced my insurance company that I was going to change it to my name, and they took my word for it. The problem is, that since my name has been nowhere on the car, as far as the state of Pennsylvania is concerned, I, as a single entity, never paid sales tax, my father did.
What you'd probably have to do is have the New Jersey title transferred to your name. Then transfer that to Pennsylvania. In order to do that tax-free you would probably have to call it a gift. Unless your parents have given you too much this year in which case you'd have to pay capital gains tax on it.
They told me that since they're a balance left on the loan that doesn't belong to my dad, but the loan company, he can't give it as a gift.
Wow. That's a pain. Can you leave it in your father's name until the loan is paid off?
No, because then it'd have to be insured in his name in my state, and I think that's insurance fraud. The loan still has 4 years to go.
Well, I'm out of ideas. I hope you manage to figure out some way to avoid it, though. I know I'd be really pissed off if that happened to me.