Bill Layne Insurance 📞 336-835-1993 Home > Blog > NC Ticket Impact 2022 Ticket in 2026? NC Insurance Points Explained 👤 By Bill Layne 📅 Updated: January 15, 2026 ⚡ The Direct Answer No. In North Carolina, insurance points for moving violations generally impact your premiums for three years (the "experience period"). By 2026, a speeding ticket convicted in 2022 has typically aged off your record for rating purposes, meaning your rates should return to normal...

NC Auto Insurance Points: Why did the lookback period change to 5 years? NC Auto Insurance Points: Why did the lookback period change to 5 years? Quick Answer: The Safe Driver Incentive Plan (SDIP) lookback period in North Carolina extended to 5 years (previously 3 years) to align insurance premiums with long-term driver risk profiles and offset rising claim costs. This change, effective alongside the mandatory liability limit increase to 50/100/50 , prevents habitual offenders from resetting their rates too quickly, ensuring fair pricing for safe drivers in Elkin and throughout Surry County. In 2026, navigating the North Carolina auto insurance landscape requires understanding significant legislative shifts. For decades, drivers in Elkin and across the state were accustomed to a three-year window for accidents and violations. That window has closed. The new standard is a stricter, five-year lookback period. At Bill Layne Insurance ,...

The Secret Scoreboard: DMV vs Insurance Points The Secret Scoreboard: Why Your DMV Points and Insurance Points Are NOT The Same Team Bill Layne Agency • Elkin, NC • Viral Insights Series Imagine playing a basketball game where the referee on the court calls a foul, but a "Secret Referee" hiding in the rafters decides to fine you $500 for it three months later. Welcome to the North Carolina driving system. If you live in Elkin, drive down I-77, or navigate the backroads of Surry County, you know that seeing blue lights in your rearview mirror causes an instant spike in blood pressure. Your immediate worry is the ticket itself. How much ...

Why Non-At-Fault Accidents Can Still Spike Your Insurance Rates: Insights for North Carolina Drivers Why Non-At-Fault Accidents Can Still Spike Your Insurance Rates: Insights for North Carolina Drivers By Bill Layne Insurance Team | Elkin, NC | September 16, 2025 Call Us: 336-835-1993 Imagine you're driving in North Carolina and someone hits your car. It's not your fault! But then your car insurance bill goes up. 😕 Why does this happen? Many drivers feel confused about this. We'll explain it simply, like telling a story. Bill Layne Insurance can help you understand and maybe save money. Quick Facts 🚗 Insurance thinks accidents mean more risk, even if...