Re: Unpaid Speeding Ticket and Insurance
Skip the collection agency and go directly to court.
The insurance violation: you should be able to show proof of correction (proof of insurance) to the clerk and it should be dismissed.
The speeding citation: you can either fight the ticket or pay the fine (approximately $200).
The Failure to appear/pay: It doesn't sound like you have a legitimate excuse for that so chances are you'll have to pay the civil assessment (approximately $300).
Also, if you had a failure to appear that can also mean that your license was suspended by the court. Do NOT drive until you contact the DMV to verify the status of your license and get it reinstated. Again, if your license is suspended, do not drive to court. Get somebody to take you there and then to the DMV.
I'm guessing that the reason why you never received a first courtesy notice from the court (when the citation was eventually filed), the second courtesy notice (when you failed to appear), as well as the suspension notice (when your license was suspended), is because your address is not current on your license. So those notices were sent to an older address. Update your address with the DMV when you go there to reinstate your license.
I am right 97% of the time... Who cares about the other 4%!