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idk if this will help you any but who knows...
im 16 as well and i had never gotten pulled over until this summer me and my friend went riding around on my moped together, we were just riding down to the lake it wasnt gay or anything, and i was pulled over. i ended up getting a ticket for riding with a passanger on a one person vehicle. it was a 180 dollar ticket and i think 2 points, i was pissed as fuck but whatever. i wasn't aware of the law and i just went in and talked with the chief of police and ended up getting it changed to a non-moving violation. so i ended up only having to pay the 180 and no points off my license and no increase on my insurance. so i would say just go in and plead no contest on your court date, it should definitly hlep you out with the insurance situation...