Do I Need To Report Out Of State Traffic Tickets To My Insurance Company?
Reader’s Question:
I am moving to New Jersey from Austin TX. Do I need to report all my tickets from Austin when applying for New Jersey car insurance?
Jay
Austin, TX
Yes, if the insurance provider is requesting information going back a certain number of years and at this time frame you received tickets in Austin, and were convicted of these infractions, then you would need to include them on your application for New Jersey auto insurance.
If you have recently moved from Texas to New Jersey then the insurance provider will pull your driving record for both states since the CA MVR does not go that far back and your Texas record will show them more of your driving record for the past several years for them to rate on.
So if you forgot to include these infractions that are on your Texas driving record and your insurance providers sees them after pulling your Texas MVR then your insurance rates may increase due to this new information about your driving record that they find out. Therefore to get a more accurate rate quote for your New Jersey car insurance you should include these tickets you were convicted of in MI to the insurance carrier when applying for a policy.
How Do I Get Cheap Auto Insurance in Austin Texas?
Reader’s Question:
I live in Austin TX and I am just wondering what the major difference is between getting car insurance locally and using a national auto insurance such as Geico, Progressive etc? I want to know which is cheaper?
Albert
Austin, TX
You should buy auto insurance from a company in Austin Texas that you can trust, a carrier that is reputable, and a company that has a good rating.
When you buy cheap auto insurance locally in Austin Texas you are either buying it through an independent agent or directly through a company. Austin Texas independent brokers have agent relationships with the insurance providers and they provide their products. There is no major difference between getting car through a national carrier or insurance locally. In fact, you can buy cheap national auto insurance from a local agent.