I received a ticket for speeding 40km/h over, I asked for mercy. He reduced to 15 km/h, which is still a conviction but no demerit points. I have 2 convictions already, This third one will kik me off my belair insurance and will make me go to facility association insurance company. I cannot afford to pay that type of insurance, its double close to triple what i pay now. what are some good options? facts: -I confessed to the officer i was speeding. - Officer wrote "r" for reduced on ticket and warned me if i fight he will bring up the original speed i was going at -My other 2 tickets are speeding 10km/h over and 15 km/h over, no demerit points. -Belairdirect will not insure me if i have 3 convictions. Options i have come up with: fighting the ticket, gets me 6-10 months (newmarket ticket) of insurance until convicted guilty. BUT i am worried that when i ask for my disclosure there wont be anything i can argue against the officer and the original speed limit will be my conviction. paying the ticket, and somehow getting someone else to insure my car. very hard to accomplish. I also called ticket solutions 1800 number and the lady told me honesstly the odds of my already reduced ticket getting thrown out or winning at trial are slim . but if i do want to fight the ticket to postpone the conviction on my record, they will help me by making sure the original reduced fine and speed limit stays as my conviction. thats for the price of $250 Questions: if i fight ticket what do i have to do to make sure my original speed is not what i get convicted of?(i dont want to pay ticket solutions for that) and What are my other good options? thanks, Hector