Car Insurance Rate New Jersey NJ
Reader’s Question:
If I took defensive driving course in New Jersey and lost 2 points, without looking at the driver’s record, will the insurance provider increase my car insurance rate? Will they know if I lose or gain points?
Jason
Elizabeth, NJ
A moving violation is assessed with corresponding points based on the NSJA points schedule. These points, which are
also called motor vehicle points, together with the convicted violation, will be recorded by the New Jersey Motor Vehicle
Commission and will appear on the driver’s record.
When the the driver is convicted of the violation, insurance points or insurance eligibility points are then assigned and surcharges are assessed by the insurance provider in New Jersey. The premium rates on the policy are determined by insurance provider by using these insurance points.
You can reduce the Motor Vehicle points you received by taking an MVC defensive driving course every 5 years.
However, the violation will appear on your record and the points cannot be taken away for the purpose reducing
the surcharge of your insurance.
Once the insurance provider sees the violation on your record, your insurance points may increase based on the
rating system of the company. You can contact your insurance agent to find more about the rating system of the
insurance provider.
Tags: auto insurance, car insurance
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