Suggestions like the one from Kenny are important; you need an appropriate education, or a book like that, that as a starting point. The problem is that the use of punctuation in fiction is rather fluid and dependent on the writer and style.
Generally fiction needs to be a bit more relaxed than the strict adherence to the rules would seem to allow. You have to learn what the rules are and where it is acceptable (or even expected) to bend or break them. Finding the right compromise is no easy task, and I've never found a good reference for writing fiction. (If such references did exist, I suspect that each would say different things.)
There are two good places to expand your education:
1) Read in your genre, but don't get lost in the story, pay attention to the text. Study how the sentences and paragraphs are constructed and work out why certain things are presented as they are.
2) I believe the best way way to to learn how to use punctuation with your writing is to write and then get it corrected. It can help if you have a suitable friend to aid you in the first passes before searching for a professional.
You can make a start on your own by reading the text aloud. I have found that text-to-voice software can be quite useful, letting you hear how your text is being interpreted. It won't necessarily help you get strictly correct punctuation, but it can highlight awkward sentences. Quite often awkward sentences are where we start looking for complex punctuation that wouldn't be necessary with some simple restructuring.
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