Car Insurance Wayne New Jersey NJ

Reader’s Question:

I got a speeding ticket in Wayne New Jersey, is it necessary to inform my auto insurance company about it?

James

Wayne, NJ

In general, when a person receives a speeding ticket you do not have to inform your car insurance company in Wayne New Jersey or other states. This is because the next time the insurance carrier pulls your motor vehicle record (MVR) the speeding ticket will likely show up and therefore would make the insurance company aware of your speeding citation.

The insurance carrier can run your motor vehicle record (MVR) at any time but normally it is checked when you begin a new car insurance policy, make changes or are up for renewal. If your insurance rate premium increase because of this traffic citation you may be able to check online to get a free quote. You can start doing that here by placing your zip code to get a free quote.

Tags: auto insurance, automobile, car insurance quotes, traffic violation

Cheap Car Insurance Rate New Jersey NJ

Reader’s Question:

I’ve been trying so hard to get an affordable car insurance premium. How can I really have a cheap car insurance rate here in New Jersey?

Charlotte

Jersey City, NJ

We really all have to pay the annoying premiums for our car insurance. For most of us, it could be a pain, but there are tips that can help you get a better lower costing insurance or perhaps lower your current car insurance premiums in New Jersey.

If you are looking for way to lower your existing premiums or if you are looking for a completely new insurance, there are things that could be able to help you. However, the amount you save would depend on the types of car you drive and your prior driving history.

Depending on the type of car you have, you can lower your premium quite a lot by adding some safety features. This step is a lot easier when you are buying a new car but making sure your car is as safe as possible can lead to lower premiums. You also have to have a clean driving record. This logic is pretty simple, have a good record and you are rewarded. Ask your insurance company about programs that you can take if you have a bad record. Some would allow you to go to driving classes and this, in turn would lower your premiums a little but not all car insurance providers have this option.

Then get quotes for car insurance online. This, by far, is the biggest saver and easiest. By getting quotes online, you can save time and you are able to get many quotes in a pretty short period of time. This is actually a key to getting a good deal.

Car insurance premiums can be a pain but sometimes their price can be lowered to help this pain.

Automotive Insurance New Jersey NJ

Reader’s Question:

I recently got into a DWI checkpoint and received a ticket for Provisional DL because I was driving after 12 midnight. I would like to know what the penalties are for this? I am from New Jersey.

Mark

Elizabeth, NJ

 

The New Jersey Driver’s Manual states that holders of GDL Permits or Provisional licenses may receive a $100 fine for any GDL conditions violations.

It is possible that there be other penalties but you will need to contact the New Jersey Motor Vehicle Commission or the court listed on your citation or to know the exact penalties for driving past the curfew time related to your license type.

So be aware that there may be changes also to the NJ graduated licensing system in the upcoming years because of the recommendations the Governor’s group has made in their report.

Young Driver Insurance New Jersey NJ

Reader’s Question:

Is there any law in New Jersey regarding mandatory car insurance for young drivers who do not yet have a drivers license but only passed their permit test, or is this up to insurance carrier?

Parker

Elizabeth, NJ

 

The New Jersey DOBI (Department of Banking and Insurance) states that you should notify your insurance company when your teen is ready to get their driving permit. Any changes in your insurance cost will either apply when the young driver receives a permit or license, depending on the insurance carrier’s rating plan.

According to the DOBI, failure to disclose all of the motorists in a household to your insurance company can be construed as a form of insurance fraud, which is subject to cancellation of policy, civil fine, or penalty under the NJ Insurance Fraud Prevention Act. Most insurance company offer discounts for multiple vehicles, so it will most likely cost less for a young driver to be added to their parents’ policy than to buy their own. Any motorist, however, with a vehicle titled and registered in their name can buy insurance. You may check with your insurance agent, broker or insurance carrier to understand the factors to consider when making such a decision.

Traffic Violation Question

Reader’s Question:

I was pulled over by a law enforcement officer in New Jersey for speeding and I was given only a warning. Am I going to receive any letters in the mail about it?

Reese

Wayne, NJ

 

I think that you will not receive anything in the mail if you received a warning by a law enforcement officer for speeding in New Jersey. State laws and local jurisdictions differ though. You did not indicate if you had car insurance at the time.

Most written warnings are placed into the local files of police department computer systems. This is done so that if you are pulled over again in the same place then the police officer that runs your name and license number through the computer will be able to verify that you were given a warning previously and have not corrected your driving style so you would likely to get a ticket the next time already.

Usually law enforcement officers are permitted to use their own discretion in deciding whether to issue a warning or a ticket during a traffic stop. Your actions, your attitude while being stopped and the traffic violation you were stopped for all help a police officer to decide if they will issue a citation or warning.