Replying to Ticket Advise

So I need some advice. Basically, I got my first speeding ticket today, which sucked. I'm 16, and have been driving for about 7 months now, and haven't really run into any issues before. So I have two questions that I'd appreciate if you guys could answer for me (seriously please).  I was clocked going 81 in a 65 coming down from the mountains in Colorado (in a section I thought was 75, but I didn't say that to the cop or anything, just was polite, and took the ticket), which is 170$ fine. Now, the money issue isn't really that big for me or anything, yeah it sucks but whatever, I've had a job for a while. But the issue is that its 2 points on my license if I pay it, but 4 points if I don't. My question is, for those of you who have fought tickets before, is it better to fight a fairly minor ticket like this or just pay it?

Also, my second question is how much do you think my insurance will go up? I already pay a ton for being 16, and having a Subaru Impreza, so I don't have a lot to spare as I pay for my own insurance. This is the main reason I want to fight the ticket, as I heard if you fight it and it gets reduced, your insurance doesn't rise as much. I don't know, but thanks for the help guys!

Sparknotes: I'm not summarizing it, either you read it and post serious advice or don't. Thanks.