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Car insurance rates vary from state to state regarding points ofr accidents and violations,, as well as make and model of car, how it is used, ages of all drivers. Young males pay highest premium (or their parents do) next young female drivers. The rules vary also with each Insurance Company. So to get the facts go straight to your agent, or if that scares you a wee bit, call any insurance agent and ask for a "quote on rates for----then let them ask the quetions; you will need to answer truthfully to get the correct "picture", By the way, your credit rating is now also playing a part in determining your rate!

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โˆ™ 2012-01-10 17:44:05
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Q: How does 3 insurance points 1 license point affect your rate?
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Why would one have points on his insurance but none on his license in North Carolina and how do points come off of insurance?

In North Carolina it is a 3 year turn around. I live in NC and have had no point on my license but had 3 point on my insurance. It come off after 3 years.

How many driver's license points does it take to affect an auto insurance rate?

It generally takes between 1-2 tickets to change your insurance rate. Redlight camera ticket in California = 1 point, increased my insurance by 38% !!

How do you know how many points you have?

There are two different point counts. Your State's Department of Motor Vehicles has one count which refers to the points on your license toward the amount that gets your license suspended. Your insurance company has another count of points that has to do with the rating on your insurance. Different companies have their own system of points in their rating system.

How will 2 points on your driving record in the last 2 years affect your license and insurance in California?

"How will 2 points on your driving record in the last 2 years affect your license and insurance in California?" Your insurance premium is based on a number of factors only one of which is your driving record. If you have points on your license then your insurance will be higher than someone with other identical factors but no points. lwpat But if the 2 points where added because of 1 violation (reckless driving, over 100mph, ect but not including DUI) they will stay on your record for 7 years not 2 like 1 point violations and will make your insurance even more than 2 points overall on your record, from different violations added up(speeding 1pt, stop sign 1pt, Red light 1pt, ect) My insurance carrier (21st) in Calif increased my rate ~40% due to a single point (redlight camera ticket)

How will a 3-point careless driving ticket for a 17 year old in Michigan affect car insurance rates his driver's license?

it will defiantly affect the premiums and depending on the insurance company they might drop him.

Does traffic school keep the point off your insurance record?

The point system of insurance company's is different than DMV points. If you have a no-point speeding violation on your MVR your insurance company can still have points on your insurance records. Check with the insurance company.

How many points does driving with out insurance carry in minnesota?

The Minnesota Department of Public Safety does not use a point system for driver citations. If you are driving without insurance, your license can be suspended, revoked or canceled.

How do you determine how many points will be assessed for a speeding ticket?

This depends entirely on state law. Some states do not even have a point system and the same speeding violation can carry different point values in different states. The clerk of court or the DMV in your home state can advise you of how a particular violation will effect your drivers license. Remember that insurance points are different from drivers license points. You may be charged an additional insurance premium for a speeding ticket even though it carriers no drivers license points. lwpat

How will one point affect your driving record?

In New Jersey you lose 3 points for going a full year without any further infractions. All moving violations stay on your record permanently with the NJ department of Motor Vehicles. It is only if you have 6 points or more on your license that the State of NJ has a surcharge. After a year will have 0 points on your license. However, your car insurance will go up as a result of the ticket.

If the Georgia code allows for a no point assessment after a defensive driving course will the insurance companies penalize for the offense?

Yes... points just track how long you will have a license if you lose all your points. Insurance Companies still have to rate a policy for that increased in drunk driving.

What happens if i have insurance for a full license but i only have a provisional license and have had an accident?

The driver does not have proper insurance at this point. since the insurance did not cover provisional licenses, the insurance provider mask likely does not have to pay out on any claim.

How many points are take off a license for running a red light?

You did not post your state so it is impossible to accurately answer your question. Some states do not have point systems and others have point systems that are different from other states. The only way to know for sure is to contact your DMV. There is also a difference in insurance points and drivers license points. As a general rule a red light ticket is two points when the ticket is issued by an officer and no points if issued by a camera. lwpat

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