Got pulled over for doing 62 in a 50. How can I keep my insurance from going up this time?

I’m almost 21 I got pulled over today and previously I got a ticket for going 13 over and took a deferred driving course but I don’t know this time it was 12 miles over my insurance is already $150 and I can’t afford anymore than that or I’ll he driving eith no insurance. I don’t know what to do I’m ****** this time.
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