This may be out of date, but when I was relocating a lot (USN) I got my car inspected wherever I was. If no sticker, I kept the receipt. I recall I had 10 days to get a NH sticker when I returned.
Insurance applies whatever... If you are speeding and hit somebody or something everybody is still covered. To deny coverage would be "contrary to the public good". Of course, if you obtained the insurance fraudulently, all bets are off.
I don't think anybody has mentioned birthdays in this thread. If the OP buys the car in NH in May, and his birthday is in, say, August, he will have to renew for the entire year in August. When he gets to FL in October he will pay full registration fee. I doubt there will be any credit for the NH fees already paid.
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