Ontario Highway Traffic Act

I got a Part 3 for 81 in a 50. I met the prosecutor and since this was my first ticket with no previous violations at all, he offered to reduce it to 15 over with 0 pts. I want to know if I accept this will it impact my insurance, as its up for renewal soon. I'm out of a job currently so can't afford higher insurance. So I want to know if I should ...