Five Things You Should Know Before You Pay Your Ticket

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FIVE (5) THINGS YOU SHOULD KNOW BEFORE YOU PAY OFF YOUR SPEEDING TICKET IN NORTH CAROLINA:

1. A speeding conviction will usually result in insurance points and a higher premium.

Except in a limited number of cases, your insurance company is likely to charge points for your speeding conviction that will result in a higher premium. Points assessed by insurance companies for common speeding violations are as follows:

Offense

Insurance Points

Speeding in excess of 75 mph when the speed limit is less than 70 mph (e.g., 76 in a 65 mph zone)

4

Speeding in excess of 80 mph when the speed limit is 70 mph or greater (e.g., 81 in a 70 mph zone)

4

Speeding more than 10 mph over the speed limit and in excess of 55 mph but less than 76 mph (e.g., 66 in a 55 mph zone)

2

Speeding 10 mph or less in excess of speed limit of 55 mph or greater (e.g., 64 in a 55 mph or 74 in a 65 mph zone)

2

Speeding 10 mph or less in excess of speed limit of less than 55 mph (e.g., 34 in a 45 mph zone)

1

The chart below shows how the accumulation of insurance points can result in higher premiums:

Points

% of Rate Increase

Cost if Basic Rate is $300

Points

% of Rate Increase

Cost if Basic Rate is $300

1

25%

$375

7

160%

$780

2

45%

$435

8

190%

$870

3

60%

$480

9

225%

$975

4

80%

$540

10

260%

$1,080

5

105%

$615

11

300%

$1,200

6

130%

$690

12

340%

$1,320

(Both of the preceding charts come directly from a brochure entitled "It Pays to be a Safe Driver" published by the North Carolina Department of Insurance. For a PDF version of this brochure click here .)

2. A speeding conviction will result in driver's license points.

In addition to insurance points, a speeding conviction will result in assignment of points to your record by the North Carolina Division of Motor Vehicles. The accumulation of too many driver's license points in a 12 month period can result in suspension of your driving privilege. The North Carolina Division of Motor Vehicles assigns points as follows:

Offense

DMV Points

Speeding in excess of 55 mph

3

Speeding in a School Zone

3

All Other Moving Violations

2

3. A conviction for speeding more than 15 mph over the limit and at a speed greater than 55 mph-for example, 71 mph in a 55 mph zone--will result in at least a 30 day suspension of your driving privilege.

4. A second conviction for speeding more than 15 mph over the limit and at a speed greater than 55 mph will result in a 60 day suspension.

5. In addition to the foregoing suspensions, the North Carolina Division of Motor Vehicles can suspend your privilege to drive for the following:

· Two convictions for speeding over 55 mph in a 12 month period;

· One conviction for driving over 55 mph and one conviction of reckless driving in a 12 month period; and/or

· A conviction for speeding 75 mph or more