1.) Possibly, but you should see a lawyer. Officially, the fine is only $35, but the court costs are $200, so having the fine reduced won't do much.
2.) Not likely because of NC's surcharge system.
3.) Yes, and your rates are extremely likely to go up. Going 15 over is 2 SDIP points, which is about a 45% insurance surcharge.
4.) Yes, if you weren't found guilty.
HOWEVER, you might be eligible for something called a prayer for judgment continued, which is where the court finds you guilty but defers entry of judgment and sentencing conditional on a probationary period. If this is the only PJC in your household within a three-year period, then that doesn't count for SDIP points.
You might also be able to talk to the prosecutor to negotiate, rather than a speeding ticket, an improper equipment ticket (speedometer), which carries no license or SDIP points but a slightly higher fine (normally an extra $50).
You're quite lucky, because going 16+ over is a class 3 misdemeanor with a mandatory 30-day suspension.

