How Many traffic points do you have to have to get surcharged by Insurance companies?

Question

I just got a traffic Citation for speeding, my very first one, I am 38 years old. Can they Raise my premiums for 4 points? I am planning on getting those points reduced to 2. I live in New Jersey

anybody know about this. Thank you in advance.

Answer 1

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Answer 2

All it takes is one violation to get surcharged which is added when your policy renews.

Most policies renew each six or twelve months depending on the company and/or which policy period that you chose when you applied.

As far as how much it should increase your overall rates that can vary from one company to another.  

I've had many consumers come into my office who were paying outrageous rates because of one violation.  As an independent agent I am usually able to cut the cost considerbly by quoting them with multiple companies until I find a rate that was good savings.

I am not license to sell insurance in New Jersey but I do know of a great on line site for insurance consumers at: http://www.InsuranceEasy.org this is one of the better sites that I have come across.

They provide multiple links to some of the more popular and reliable free on line quoting services for almost any type of insurance that you need.

I would suggest going to the auto insurance section of their site and requesting free quotes through all of the links that they provide.  By doing this you only have to fill out five or six quote requests and in return each of these services will forward the information that you provide to hundreds of agents and companies.

I have referred this site to several of the consumers who came into my office that I wasn't able to save money.  I have had several call me back and say that they were able to save a lot of money.

As I said the key is to use all of the free services that they offer.  This greatly increases your chances of getting the best.

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