It's not 10MPH, it's >10% of the posted limit that makes the biggest difference...dukalmighty wrote:On most divided interstate highways speeds under 10 mph over do not count against your insurance rates but a ticket 10+ mph over not only costs you a fine but when your insurance company reviews your record you my be surprised at the rate increase.IIRC on undivided 2 lane roads and on a street in the city limits any speedig violation regardless of miles over will count against insurance premiums.Also excessive speed gives an LEO probable cause to stop,and a lot of times a traffic stop can lead to anythng from drug trafficking to other types of evidence the officer may spot during the stop.
Reference here
Look under the second question: "How does DRP work?"