Stupid question for you guys: Back in December I got pulled over for doing 98 in a 65 on the toll road in Austin. As stated this was my firs ticket. I plead no contest to the ticket since I was the only car on the road unfortunately. My question is, how much is this going to impact my insurance? I'm 19, under my parents policy, and it's through USAA. We have discounts for multiple cars, good student, as well as a defensive driving discount.