For instance, when you accumulate 10 or more car accident points and / or other types of points for the first time, your license will be suspended for one month. (dmv.com)
Men will have a harder time getting cheap coverage than women will, because their naturally higher levels of aggression cause them to get into more car accidents. (carinsurancequote.net)
In the same sense, if your area is very urban, there will likely be more car accidents due to more traffic. (carinsurancequote.net)