LOSING vs RESIGNING

The game should say how many points you gain for winning, drawing, and losing by the time the match begins. It doesn't matter if you surrender early or later as far as how many points are exchanged.
As far as getting better goes, nearly every time at this rating, I would look hard for undefended pieces. It is the #1 thing I see pop up time and time again. On both sides, when you see them on yours, find a way to change that with your move. If you see them on your opponent's side, double check that it's really a free take, then take it.