Why Should I Care About A Few Points On My License?

Why Should I Care About A Few Points On My License?

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Have you ever made an illegal turn, forgotten to signal or sped past the speed limit? A traffic ticket in which you are convicted of a moving violation is often accompanied by points on your license. The worse the offense, the more points tacked onto your driver’s license. It might seem like no big deal and you might find yourself thinking, “Yeah, I have some points on my license, but they don’t do anything.” However, that sentiment is incorrect.

When you get points on your license, you may find yourself paying surcharges that are charged along with court fines and fees based on a large number of points.  Even worse, in New Jersey, once 12 points are accumulated, the NJ Motor Vehicle Commission (NJ MVC) is authorized to suspend your license. It is highly likely that points will also affect your insurance rates. Many insurance companies regularly review your record and may therefore raise your premium.

There are a few ways to see how many points you may have.

The first possible way is to check this list provided by the New Jersey Motor Vehicle Commission (NJ MVC), which outlines how many points different driving infractions are worth.

Another possible way to see how many points you have is to request your driving record from the NJ MVC. The third possible way is to call your insurance company. Since many insurance companies regularly check your driving record, they may be able to tell you how many points you have.

Insurance.com conducted an analysis of over 490,000 policy quotes in which they found that the average policyholder’s auto insurance premium can be increased by as much as 22% with a single ticket citing ‘reckless driving’.

But don’t worry; there is no need to lose sleep if you have points on your license! In fact, there are a few ways you can decrease your number of points!

  • Waiting it out. After a certain number of years (usually 3), points will be deducted from your driver’s license.
  • Going to traffic school. While the pain of sitting in a classroom for eight hours may seem like a lot to bear, it also means eliminating up to 2 points.
  • Take a defensive driving class. This will not only deduct points from your license, but it may also result in saving money on your auto insurance. This course will teach you how to drive safer with accident-preventing techniques.

Regardless of whether or not you have points on your license, you should still call your insurance company to find out their policies and see how a defensive driving class could benefit you and your family.

Drive Safer offers a behind the wheel defensive driving course and two other defensive driving course options that meets the criteria to deduct points from your license AND get you an insurance reduction.

Click here to learn more about Drive Safer’s Defensive Driving Courses.

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Jason Friedman
jason@drivesafer.com

Jason Friedman, CEO and Founder of Drive Safer, LLC is an entrepreneur with over 25 years’ experience in launching, growing, managing successful businesses across multiple sectors. Jason is an expert in teen driving and driver education, and regularly speaks and presents to audiences throughout the U.S. Jason also has expertise in education and training, entrepreneurship, internet marketing, experiential marketing, customer experience management and branding. For three consecutive years, one of Jason’s companies was named to Inc. Magazine’s Inc. 5000 list of America’s fasted‐growing companies, and in 2009, Ernst and Young named Jason as New Jersey’s Entrepreneur of the Year in Business Services.

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