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Undated -- It's not just a bad day when you see blue lights in your rear view mirror, it's an expensive day. Nerd Wallet calculated the expense of getting a speeding ticket for going 15-over the speed limit.

In most cases, it's a $30 ticket. Not to mention $188 in court costs and points on your license.Those points make your insurance premiums go up for at least the next three years. Add all of it up and Nerd wallet estimates the true cost of a ticket is about $1,600. And that is without any legal fees!

So when should you get a lawyer? Experts say get one if you're record has been clean for three years.Have them reduce the 15-mile an hour charge to 10. This way you don't get points and your premium stays as is.

If you're record isn't great, you might get a break on insurance if you change providers.

You might want to hit the brakes in the most expensive towns to get a ticket. Nerd wallet calculated cost of the ticket, court costs and the increase in insurance premiums for 3 years And came up with a list of most most expensive cities to get a ticket in North Carolina. In the top three: Hope Mills $1,830 Spring Lake $1,830 and Fayetteville $1,825.

No Triad cities made the top 10 most expensive cities. But you do see four Triad cities on the least expensive side. Again this is the estimated true cost.: Thomasville $1,484 Summerfield $1,484 Asheboro $1,523 and Lexington $1,534.

Nerd Wallet's Methodology for figuring the true estimated cost:

To determine the average insurance premium increases, we retrieved quotes for eight different driver profiles in North Carolina: 27-year-old single men and women and 40-year-old married men and women, each driving Toyota Camrys and Ford Escapes. For each driver profile, we chose each city's three cheapest car insurance quotes to mimic consumer behavior and to determine our overall average. We only surveyed cities that had populations greater than 10,000 residents. We calculated the total cost of a 15-mile-per-hour speeding ticket by adding the cost of a speeding ticket to three years of car insurance increases. The estimated insurance costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors.

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