How does 3 insurance points 1 license point affect your rate?

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!