I got a citation from Morgan County for going 73 in a 55-zone of Hwy-441 near Madison. The fine is $180. I was wondering if it would be worth it to make he court appearance to try to minimize the effect on my car insurance. I am 21 years old, and I don't know how it will affect the insurance rates, since this is my first offense of any type.

Your best bet is to talk to the prosecutor and ask them to reduce your speed on the ticket to 14mph over the posted limit. Therefore, if they allow you to plea to 69mph in a 55 posted zone, it will not show up on your record and it will not affect you insurance rates. If they won’t let you do this, then you should plea “Nolo” to the speeding charge. This would result in a no points violation. Either way, you would have to pay a modest fine. 

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