How do insurance rates react to csa points?

I have been called an idiot, fool, and a bunch of other names about things I have posted here when it comes to insurance and the impact behavior has had on it.

I can't stress this enough what the underwriters at one insurance company I use has said 'everything is taken in account'. Working in a high liability industry before, I decided right from the start to do everything I can to lower risk and it has paid off. It is why I have written policies on situations that have come up or need mitigation, and we document everything is to keep the costs down, which means more money for everyone here.

Seatbelts, Phone usage and speeding are the three things that can get a driver terminated if they consistently fail to control their behavior.

One of the things that is such a misconception is why the regs exist in the first place, #1 is to protect the driver but #2 is to protect the public from the lowest common denominator in our driver pool.