it doesn't matter whether it's speeding or careless driving to the insurance company. they are still going to bend you over and not use grease or give you the common courtesy of a reach-around.
stop speeding.
it's so easy to do and so much easier on the wallet. oh, and you'll save money in gas and tires, too. no more panic stops if someone suddenly gets in front of your car, so your brakes will last longer. basically an all-around better situation.
