Reader’s Question: Hi. I would like to know how much will a speeding ticket affect my car insurance rate? Kelly Buffalo, NY If this is your first ticket, it is possible that you will not see any change with your car insurance premium. However, there are other factors that is being considered so it is [...]

Reader’s Question: I received a parking ticket here in New York. Will it affect my car insurance premiums? Ian Albany, NY In most cases, getting a parking ticket will not be considered by car insurance companies as a demerit earned on your insurance points. This is because moving violations, especially if a driver gets convicted [...]

Reader’s Question: I received a ticket in New York because I was caught talking on a cellphone while driving. The police officer told me that no points will be placed. How will this incident affect my insurance rates? Gene North Hempstead, NY The law of the states of New York does not allow any mobile [...]

Reader’s Question: Will a traffic ticket violation be reflected on my driving record with just a learner’s permit or provisional license in  New York? Jim Hempstead, NY An individual with a junior permit, privileges or license will have their license be suspended for sixty days if they are convicted of a serious traffic violation or [...]

Reader’s Question: I reside in Colonie New York and got 2 speeding tickets in Rhode Island. The second speeding ticket was just 5 days ago. Will my car insurance provider find out about the new ticket if I end up obtaining a different punishment? I would like to know if my auto insurance rates will [...]

Reader’s Question: If someone receives a first speeding ticket in Babylon, NY (that is under 14 miles per hour over the speeding limit), can insurance companies raise car insurance rate premiums? Marie Babylon, NY New York state laws prohibit insurance companies from surcharging certain traffic violations. NY Insurance Department only allows surcharges to be applied [...]

Reader’s Question: I received a seat belt violation in Yonkers NY and I would like to know if this may cause for my auto insurance to go up? I also heard that this violation may take off my insurance discount, is this true? I live in a New York state. Denver Yonkers, NY If this [...]

Reader’s Question: I live in New York, NY. My friend got a speeding ticket while driving my car, which is covered under my father’s insurance. Will his rates go up, or only my friend’s insurance rates? will he ever find out that a speeding violation was made in his car in New York? Bob New [...]