NJ Car insurance rates between auto insurance companies in NJ can vary by hundreds, even thousands of dollars. The easiest way to find which New Jersey insurance companies offer the lowest prices is to do an online rate search. NJCarInsuranceQuotes.Com offers free rate searches for consumers. T

Ticket Classifications: Tickets are divided into 3 classifications: minor, major and serious convictions, which include criminal acts. All ticket classifications, regardless of applicable points, affect your insurance rate.

Parking Tickets: Parking tickets do not affect your driver’s license, insurance record or appear on your driver’s abstract. The only consequence of not paying a parking ticket means that your license plate will not be renewed. In other words, you will not be able to get your renewal "sticker" unless you pay for your parking tickets. Some towns have now started suspending drivers licenses.

Minor, Major and Serious Convictions: Here’s a list of the ticket classifications and the various types of minor, major, serious, and criminal convictions that will affect your NJ insurance policy rate:

Minor Tickets
· Crowding Driver’s Seat 
· Defective Brakes
· Drivers License Violations
· Failing To Share The Road
· Failing To Signal
· Failure To Use Seatbelts
· Failing To Yield
· Failing To Yield To A Pedestrian
· Failure To Surrender Your License
· Failure To Produce Evidence Of Insurance
· Failure To Produce Or Carry Insurance Card
· Following Too Closely
· Headlight Offenses
· Improper Driving In A Bus Lane
· Improper Lane Change
· Improper Opening Of Door
· Improper Passing
· Improper Towing
· Improper Turn
· Improper Use Of Divided Highway
· Insecure Load
· Obstructing Traffic
· Overloading
· Use Of Radar Warning Device
· Improper Railway Crossing
· Speeding
· Stop Sign Infraction
· Traffic Light Infraction
· Trailer Passenger
· Unnecessary Noise
· Unnecessary Slow Driving
· Unsafe Move
· Unsafe Or Prohibited Turn
· Unsafe Vehicle
· View Obstructed
· Wrong Way On One Way
· Obstruction Of View
· Obstruction Of License Plate
· Driving without a valid Inspection Sticker

Major Tickets
· Speeding 20 mph over posted speed limit
· Failing To Report An Accident
· Failure To Report Damage To Highway Property
· All Insurance Offenses
· False Statement Of Insurance 
· Operating Motor Vehicle With No Insurance 
· Driving With No Insurance 
· Produce False Evidence 
· Driving In Contravention Of Restrictions 
· School Zone, Improper Passing Zone
· School Bus, Improper Passing, Fail To Stop
· Speeding in a construction zone is double the fines and points

Serious & Criminal Tickets
· Driving Impaired,
· Careless Driving;
· Criminal Negligence
· Dangerous Driving
· Driving While Under Suspension
· Failing To Obey Police
· Failing To Remain At An Accident Scene
· Motor Manslaughter
· Racing
· Refuse Breathalyzer
· Stunting / Drag Racing