The NC General Assembly enacted the North Carolina Safe Driver Incentive Plan (SDIP) to reward safe drivers with the lowest possible insurance rates. Drivers who are convicted of moving violations and/or cause accidents will be charged higher premiums in accordance with their driving records.

SDIP points are charged for convictions of moving violations and at-fault accidents. The SDIP points for speeding 10 mph or less in excess of speed limit of less than 55 mph is 1. For speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less than 76 mph is 2 SDIP points.

You may be able to get that one point reduced to zero because no SDIP points are charged for speeding 10 mph or less over the posted speed limit provided that the violation did not occur in a school zone and there is not another moving violation on your record in the previous 3 years.

You can check with the NC DOT and or insurance regulatory body for North Carolina to make certain this information regarding SDIP points has not changed recently and also contact your insurance company to see if they go by SDIP to calculate insurance surcharges or have their own points system to determine insurance rates.

Your agent should be able to tell you if your rates will be affect since this is your first ticket and you had a clean driving record up to this point. With some insurers your rates may not be raised however a safe driver discount may be taken away after your first moving violation conviction.