Go in, plead not guilty, get a reduction. I have a 3 page driving abstract but went in with 0 points currently on my record for a 74 in a 45 (that was reduced on the scene) and got it dropped again to 9 over with a $250 fine. Granted I also had a 65 in a 35 (speed limit sign was covered) that I got reduced to a 64 in a 55 (since I was coming from a 55 zone) that cost me a hair shy of $500 due to a prick of a judge. Go in, get it reduced, find out what it’s gonna run you, then goto the bank the next day.