hey i just got my first speeding ticket issed: officer said i was doing 70 in a 45 zone [he checked off radar + estimate on the ticket], but he said he'll let me slide and charged me 75 instead of 300. anyhow... i cant afford this to go on my record and raise my insurance, what can i do?? request a hearing and hope the officer doesnt show up??? what if he shows up?? what should i say, i never been to court before.. also i heard about some defensive driving school i can go to that will take the points off?? i dont see that option on the ticket... please help, i really cant afford this ticket on my record, im paying around 3500 a year already. please help!!!