I had never gotten a ticket in my life until 2 months ago. My first was for going 72 in a 60 and today for going 75 in a 60 (almost exact spot). I am 23 and ended up just paying for the first one because I couldn't miss a day off work due to a meeting. But now I have this second one in 2 months which scares me. If I take defensive driving will it be taken off of my record? Or should I just pay it? How much is my insurance premium going to go up because of this?