Fastline, your attitude towards law enforcement sucks and I'll bet it was you being a dick during the traffic stop.
If you don't want to man up and pay the fine I suggest you plead not guilty, go to court with your pictures of speed limit signs, insist that you were doing 45 and that the officer's testimony is questionable because he didn't know what the speed limit was.
Leave your attitude outside the courtroom and you might just get out from under this.
As for your insurance, if you weren't cited for no insurance, the subject might not come up.

