[minag3]

Warning, first part of this thread is a rant!!

So I'm super pissed off!!!
I got a stupid speeding ticket (17 miles over) in Jersey City a few months back, got a lawyer and got it reduced to "Unsafe operations" (which is the lowest moving violation with no points)... paid the hefty fine for the courts and the lawyer costs - all this in the hopes that my insurance would only go up just a little bit (if any) since I still have no points on my record, and I've been driving for 12 years with a clean record.

I get my renewal letter from Geico and my premium went up by THIRTY PERCENT because of the violation (that's over $600 a year)!! I called them up and asked why, and they said that the insurance companies have a different point system than the DMV.
In the insurance point system, a speeding ticket is only 1 point, but an unsafe operation ticket is 4 points!!!!!!! So it would've been MUCH cheaper for me to have stayed with my initial speeding ticket.

Anyways, that's the end of the rant.

Here's where i need your help, anyone know a good NJ insurance broker that i could speak to to get me the cheapest insurance rate? I called up esurnace and a few more, but the quotes are not competitive.

Please let me know, thanks all.

[Myki335]

Wow that's some bull****. I always knew all these Geico commercials were full of crap. I heard some shady stuff about them too.

For what it's worth, I was in a similar situation..got an H.O.V Lane ticket ($120 IIRC and 2pts) so I got it reduced to unsafe driving ($330 and 0 points.) and don't recall my insurance going up at all after that...I have Allstate

[waski]

Left geico for Progressive through and saved a lot of money per year and much happer.

[straightcashhomie]

Originally Posted by waski

Left geico for Progressive through and saved a lot of money per year and much happer.

Very very very interesting, left progressive for Geico and I saved a bunch of money.

[migue90]

Give Plymouth rock insurance a try - formally high point/prudential - great rates - at 23 I had full coverage for $714/ 6 months - 100/300k - call up Crotty insurance in Paramus 2016709700 - ask for jean Crotty - she got me every discount she could - extremely nice lady - she talks to u like she's your best friend's mom

[spectacula]

Originally Posted by waski

Left geico for Progressive through and saved a lot of money per year and much happer.

Originally Posted by gunnnnzzz

Very very very interesting, left progressive for Geico and I saved a bunch of money.

lol

[will.c]

Originally Posted by minag3

In the insurance point system, a speeding ticket is only 1 point, but an unsafe operation ticket is 4 points!!!!!!!

interesting...

[BlueBimmer]

I'll pm you my brokers info - if they serve your area, I'm pretty sure you'll get the best rate.

[Mavus]

Originally Posted by minag3

Warning, first part of this thread is a rant!!

So I'm super pissed off!!!
I got a stupid speeding ticket (17 miles over) in Jersey City a few months back, got a lawyer and got it reduced to "Unsafe operations" (which is the lowest moving violation with no points)... paid the hefty fine for the courts and the lawyer costs - all this in the hopes that my insurance would only go up just a little bit (if any) since I still have no points on my record, and I've been driving for 12 years with a clean record.

I get my renewal letter from Geico and my premium went up by THIRTY PERCENT because of the violation (that's over $600 a year)!! I called them up and asked why, and they said that the insurance companies have a different point system than the DMV.
In the insurance point system, a speeding ticket is only 1 point, but an unsafe operation ticket is 4 points!!!!!!! So it would've been MUCH cheaper for me to have stayed with my initial speeding ticket.

Anyways, that's the end of the rant.

Here's where i need your help, anyone know a good NJ insurance broker that i could speak to to get me the cheapest insurance rate? I called up esurnace and a few more, but the quotes are not competitive.

Please let me know, thanks all.

Erie Ins

Have been with them for the last 12y and they are awesome. After 3y you get first accident forgiveness. I had at least 10 speeding tickets and they never increased my rates. As long as you are not causing accidents it seems they don't care.

Geico is notorious about risk mgmt and the smallest issue will trigger rate hikes.

Erie is always rated one of the best.

[minag3]

Thanks everyone for the info, much appreciated
..and thanks for the PMs

Keep'em coming

[gds52]

all car insurance companies are the "chips of the same block".

for premium, ive noticed it actually matters if you personally visit an Agent.
and agent (no matter what insurance company) can fix a lot of things.
so my suggestion would be, visit couple of insurance agents and get quotes.
goods luck.

[s3ries]

Amica /thread

[minag3]

thanks all again...
Quick note however, I checked and Amica was really reasonably priced ...thanks a lot for the tip, i think I'm going with them.

[s3ries]

Originally Posted by minag3

thanks all again...
Quick note however, I checked and Amica was really reasonably priced ...thanks a lot for the tip, i think I'm going with them.

yea no problem, i got the help from a forum member, so might aswell pass on the info.

[uwotm8]

I have an insurance agent at nationwide that hooked it up. I got homeowners, life, and car insurance for about 20% less than I was paying for only car insurance with geico. if you want the contact, PM me