NC Auto Insurance Points has always confused most people so i wanted to put a points grid on my website so everyone would know how many points each violation counts. Also included are the percentages of increase your Auto liability rates will increase. As you will see, it pays to have a clean record. If you do not have a clean record, please call, email or come by for a quote so you can see how much Cost Cutter Insurance Agency, Inc. can save you on your Auto Insurance.
Great Rates are available at Cost Cutter Insurance Agency, Inc. for people that have 12 points or 0 points. Call today for a quote at 704-821-0422.
Cost Cutter Insurance Agencies Motorcycle Insurance can offer you a policy that covers the things that matter when you’re out riding—Coverage for your helmet and leathers, trip interruption coverage in case something happens when you’re far from home, and towing and roadside assistance. Most importantly, we offer the peace of mind that comes from knowing you can just enjoy the road ahead.
| Points |
Violation |
| 12 |
Manslaughter or negligent homicide |
| |
Prearranged highway racing or knowingly lending a motor vehicle for prearranged highway racing |
| |
Hit-and-Run resulting in bodily injury or death |
| |
Driving with a blood-alcohol level of .08 or more |
| |
Driving a commercial vehicle with a blood-alcohol level of .04 or more |
| |
Driving while impaired |
| |
Transporting illegal intoxicating liquor for sale |
| 10 |
Highway racing or knowingly lending a motor vehicle for highway racing |
| |
Speeding to elude arrest |
| 8 |
Driving during revocation or suspension of license or registration |
| |
Aggressive driving |
| 4 |
Reckless Driving |
| |
Hit-and-Run resulting in property damage only |
| |
Passing a stopped school bus |
| |
Speeding in excess of 75 mph when the speed limit is less than 70 mph |
| |
Speeding in excess of 80 mph when the speed limit is 70 mph or greater |
| |
Driving by a person less than age 21 after consuming alcohol or drugs |
| 3 |
At-fault accident resulting in death, or total bodily injury in excess of $1,800 or resulting in a total property damage of $3,000 or more |
| 2 |
Illegal Passing |
| |
Following too closely |
| |
Driving on the wrong side of the road |
| |
At-fault accident resulting in total property damage in excess of $1,800 but less than $3,000 |
| |
Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less that 76 mph |
| |
Speeding 10 mph or less in excess of speed zone of 55 or greater |
| 1 |
All other moving violations |
| |
at-fault accident resulting in bodily injury of $1,800 or less or resulting in property damage of $1,800 or less |
| |
Speeding 10 mph or less in excess of speed limit of less that 55 |
This diagram is only an example of increase on a Liability Auto Insurance premium increase due to insurance points. This example is if your Liability insurance premium with zero points is 400.00.
| Points |
Beginning Insurance Cost |
Increase % |
New Insurance Cost |
| 1 |
400.00 |
30 |
520.00 |
| 2 |
400.00 |
45 |
580.00 |
| 3 |
400.00 |
60 |
640.00 |
| 4 |
400.00 |
80 |
720.00 |
| 5 |
400.00 |
110 |
840.00 |
| 6 |
400.00 |
135 |
940.00 |
| 7 |
400.00 |
165 |
1060.00 |
| 8 |
400.00 |
195 |
1180.00 |
| 9 |
400.00 |
225 |
1300.00 |
| 10 |
400.00 |
260 |
1440.00 |
| 11 |
400.00 |
300 |
1600.00 |
| 12 |
400.00 |
340 |
1760.00 |
|
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