Virginia uses a point system to evaluate how well you drive. You can qualify for cheap auto insurance in VA if you do not accumulate a lot of negative points. Sadly, the opposite is also true. Insurers are likely to quote a higher premium or even turn down your application if your score is poor.  Every driver starts with a 0-point balance. You receive a positive point for each year that you don’t get any suspensions or violations. Similarly, when you break a traffic rule, you get slapped with a penalty of three, four, or six negative points, depending on the seriousness of your offense.  The fastest way to drop points off is by joining a Driver Improvement Clinic, an 8-hour class that adds five positive points. So if your driving score is unsatisfactory and you are looking for a low cost car insurance, taking this class can be a gamechanger. You can complete a Driver Improvement Clinic once every two years. To search for a clinic near you, visit the Virginia DMV website.  Another way of improving your driving score is to wait for demerit points to get dropped off naturally. They are wiped off two years after the offense occurred.  Finally, avoid getting tickets. As said above, one safe driver point gets added to your record for every year without a violation.