I hear ya on getting caught at the last moment.
I got mine back on Easter of all days. 52 in a 40.
$100 speeding fine.
I had 3 options.
1) Diversion (cost was $20 application fee, $50 Court fee, $50 for something else, and 1/2 the ticket. It all adds up to $200/$210 for 12 over here in Kansas. (If I'm clean...not getting pulled over for 6 months, then it dissapears as if I didn't do it at all.) So yeah, 6 months after the court date...which is May 30th. And then I'm good to go.
2) Or have the ticket Amended (cost was flat fee of $170). That requires talking to a prosecuting attorney (which should be on a floor in City Hall). They have the ticket reduced to a moving violation, which goes on your record, but not to the insurance company. Or so I'm told.
3) Pay the ticktet ($100) and it be sent to my insurance company, and have them raise the rates. I think not.
Hang in there, you'll be ok.
Did you tell your parents, or are they not a factor in this situation?