Getting a speeding ticket is a pain. But unfortunately the pain doesn’t end when you pay your ticket. In NY, points stay on your license for 18 months. In NJ they remove 3 points a year (as long as you haven’t accumulated any additional points), meaning if you received a ticket for going 20mph over the speed limit (a 4 point infraction), it will take you 2 years for all the points to drop off your license. On top of the points on your license (which can result in a suspension of your license if you accumulate too many), your insurance rates may go up, depending on your policy, carrier, and previous driving history.
There are options to lower both the points on your license AND your insurance rates.
- Take a defensive driving course. These courses are designed to reduce the points on your license for the purposes of calculating a suspension AND providing a discount on your insurance.
- Do not acquire any additional violations. This may seem like an obvious option but tickets can quickly accumulate and the more you get, the worse the consequences.
At Alpha/Omega Coverage Corp we offer defensive driving classes for NY. We also can work with you to find the right carrier for your driving history. Call us today for more information!
At Alpha/Omega Coverage, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. In addition, our financial division, Alpha/Omega Financial Services, offers a complimentary financial review to all new and existing clients. Just give us a call at 718-494-4440 or send us a note at Mike@insureSI.com. We want to help you meet your goals, and make sure what’s important to you is protected!
The author is providing the material and viewpoints on a generic informational basis. All references to various insurance policies, coverage terms, policy language, exclusions, definitions etc. are from a broad selection of general insurance information. It is not intended to be used for any specific policy or coverage situation. The views expressed by the author do not necessarily represent the views of the insurance companies it represents. Content has been referenced from The National Highway Traffic Safety Administration.