I got a 14 over speeding ticket from State police, $150. The Court says that I am approved to do their Deferral program, but its $190. Ive done this in the past for a stop sign violation and another speeding ticket, but I cant be sure that the ins company ever saw these, or if they are on my record. So basically im wondering if these are worth doing? IN says that the violation will stay on my record for 2 years, and I dont plan on changing INS companies, so I doubt the ins company will review my record. If you have gotten speeding tickets, has your ins premium gone up?