Hey when i was 17 or 18 i got pulled over going 92 in a 55. I went to court and they told me i couldn't take Defensive Driving so i just paid the ticket. They didn't give me the option of DJ. Mine was like $215 or 230 something like that. I knew it was gonna appear on my record which i was affraid to see but it didn't come into effect until the following year. I got the ticket mid January. So i saved some extra money to pay the insurance.