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I hope this is the right place to ask this question.

I'm new to the States and need some help with driving/insurance issues. I've just received a speeding ticket (moving violation) and I understand that if I go to driving school I do not get points on my licence. What does this mean exactly? How long do points remain on your licence and what effect does this have on my insurance?

If I go to driving school, will the insurance company therefore not increase my rates? Someone said they can't by law, but I notice that insurance companies actually ask you "have you received a moving violation in the last five years" which is not the same as "do you have any points on your licence". I live in Florida if this helps.

Thanks for your help
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