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What does it mean if you have points on your driving record?
I have a few tickets and was applying for car insurance. I was declined from several companies due to the points on my license. What does this mean?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Points are a system devised by each state’s DMV to track your driving record. The more points you have due to moving violations and citations, the more points you have on your license.
If you have points on your driving record and license, you are considered a higher risk to
car insurance companies
. When you get a ticket or you are in an accident, the DMV could assign points to your license
.Every state has a different rating system and assigns points for violations or tickets. There is also a certain number of points you can get before your license is suspended. You can often find a list of tickets and violations that have points assigned to them on your state’s DMV website. You are also able to request your driving record to determine how many points are on your license.
If you are having trouble finding car insurance, you may need to request car insurance quotes from companies specializing in insuring higher-risk individuals on
Jerry
. While your rates will be higher, you may still find insurance that keeps you road-legal.”View full answer
- Gregory R.
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