Don't speed. It is easier to fight a ticket in court that way.
On another note, I've had my fair share of traffic infractions and not once did my premiums go up. In Cali, they can take away your license with 3 points (speeding ticket is 1 point). I was able to go to traffic school to dismiss the point on a couple of them, so technically, the insurance company didn't know about it. I did however get a ticket and was not able to dismiss the point. My insurance agent called my cell phone and gave me a dad-like heart to heart. He told me basically it was a warning. He then proceeded to tell me "You don't want to get another speeding ticket. Your premiums will sky rocket!" I told him I never wanted to get the first one :lol: