Try this site where you can compare quotes from different companies: WWW.USINSURANCEQUOTES.ORG - Can an insurance company still charge you a surcharge or increase your premium if you get a speeding ticket reduced to 0 points in NJ? - If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage? - How much can the insurance to go up if you received two tickets in one month and those were the only points on the record if you are 21?