I got a ticket for doing 84 in a 65 zone today on I-88 about 50 miles outside of Albany. There's no way I can contest this in good faith, and with my luck the court date will be during a midterm exam or something wonderful like that, so I will probably plead guilty and accept the fine. The problem is, I pled guilty to doing 80 in a 65 two months ago, also in New York state. This was my very first traffic offense. I have a couple of questions for NY residents: -How many points are on my license now? -How big of a fine will I pay, since I was 19 over and this was my second offense? -Do any of the actuarially-minded here know the percentage at which my insurance premiums (updated quarterly) will increase? -How long will these points stay on my license? I will probably be out of the country 09/2003-~08/2005, and I'd like to have a clean slate when I return since I'm no longer going to be eligible to purchase insurance from USAA, as I will no longer be claimed as a dependent by my (ex-Army JAG) father.