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How Your Driving History Can Impact the Premium of Your Auto Insurance in New Jersey

All insurance companies; not only in New Jersey; have to check on an individual’s driving record before undersigning them for auto insurance.  Just like any other business, insurance firms are there to make money. When it comes to Auto Insurance in New Jersey, the lower the risk the more lucrative the client is. Therefore, it stands to reason that if you have numerous traffic infractions with unsafe driving habits and DUIs, you are viewed as an unattractive client and will more often pay high auto insurance premiums.

Among the major issues that affect your Auto Insurance in New Jersey are traffic tickets. There are numerous scenarios that can result in you being issued a traffic ticket. These range from drunk driving to forgetting to put a quarter into a parking meter. However small the reason for the traffic ticket is, it will appear in your driving history and is valuable information for your auto insurer. This information is used to gauge your risk profile. Failing to put a quarter into the parking meter is termed as a non moving traffic violation. Such violations usually have little or no impact on your Auto Insurance in New Jersey rates. On the other hand, traffic tickets due to moving infractions like DUIs, over speeding and careless driving show the auto insurer that you are a high risk entity. This is because chances of you being involved in a claim are higher than other would be safe drivers. So, in order for the insurance company in New Jersey to cover you and itself in the same matter, the insurer will raise your auto insurance premiums as compared to the gravity or conditions surrounding the traffic ticket. Your first ticket might be bypass by your auto insurer but a continued occurrence of the same or a graver offence will automatically affect your premiums. Depending on the state that you reside in, the law therein may not require the insurers to act on your first traffic violations while some may require the insurer to act on it in order to avoid worse mistakes in the future.

The rate at which your premiums increase following traffic infractions varies from carrier to carrier. Other factors that may also come into play in such a case are your type of policy, age and location. In some instances, a single traffic could result in your premium rate increasing. This is mostly the case when it comes to young drivers below the age of 25. This is because young drivers are already viewed as insurance risks so a single traffic violation increases the risk in the eyes of the auto insurance companies. The length of the increase of the premiums with most Auto Insurance in New Jersey companies usually spans three years following a grave traffic infraction. However, this is not constant with all companies so make sure you get this information in detail from your insurance agent or broker. To contact them or to get a third opinion on the matter enter your Zip in the space provided at the start of this page.