My son had a hard time finding insurance because he had several points, two from a speeding incident and four from a car accident where he was found at fault.  Finding insurance with even just two points on your record is difficult but six?  Well, I shopped around and shopped around and finally found the cheapest insurance quote.  Now he has state minimum liability limits, medical payments and even uninsured motorist coverage for a great price, and it doesn’t break the bank each month for him to pay for it.  Thank goodness there are companies out there willing to take someone young with points!