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?

“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.”
Emily Maracle
Answered on Oct 11, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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