Any driver’s driving record is always taken into consideration by insurance companies when being evaluated for a new or renewal policy. Insurance companies routinely review driver Motor Vehicle Reports (MVR) and assign penalty points for moving violations. Although each insurance company has its own point system, most assign higher points as the nature of the violation increases in severity. In some instances, driving while under the influence can add six or more penalty points to a driver’s premium. Just one point could increase the insured’s premium by 5 percent while six points could more than double the normal premium.