You would need to speak with your insurance company.
They can tell you more about your premiums.
Ok; how can I reduce my points on my record then?
If you find an accredited cours,e they will give you all the pertinent information.
They'll tell you everything you need to know.
I see, another question, how can I resolve a ticket from the Traffic Infractions Office? Should I follow the instructions on the ticket?
You can follow the instructions on the ticket to answer the ticket at a TVB office, but be sure to bring proof of identity along with you.
What happens if I don't respond to the TVB ticket after I receive a suspension notice?
Some convictions can cause the suspension or the revocation of your license.  You can read about this topic in the DMV brochure Suppose Your License Were Taken Away.
Where does TVB operate?