What are auto insurance points?

Auto Insurance points are used by your insurer to assess your driving skills for calculation of premium rates. Each insurance company has their unique "point" system but usually it is largely based upon the guidelines set up by the Insurance Services Office (ISO). Points are assigned based on various vehicle incidents like speeding, traffic violation, accidents, Driving Under Influence etc. The point's value keeps increasing based upon the severity of the violation, and every point added to your insurance profile drives up premium rates accordingly.