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The value of surcharge points for each surchargeable incident is reduced by 1 point if: you have 3 or fewer surchargeable incidents on your driving record in The 5 BEST Auto Insurance Companies

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In some cases, 3 points on a driver's license can increase car insurance rates by up to 23%, or $658 per year, based on our analysis of multiple However, the points remain on your driving record as long as the conviction remains on your record and may be used by your insurance company to increase

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4 essential car insurance add ons License points themselves don't directly determine insurance rates, but they indicate a history of violations that insurers consider when assessing risk.