You sound like a young guy so I really doubt that one ticket is going to do anything to your rates, assuming it is not adding to any other convictions you have recieved. Regardless of wether or not you are a grid rated driver or pay the insurance companies regular underwriting rates, you should not be affected by a single speeding ticket. Your insurance company likely won't even know about your ticket until your policy is up for renewal.
FYI-The amount of demerits a tickets gives you does not determine wether or not your rates will increase. With insurance companies, its pretty black and white. You either got a ticket or you didn't. The only thing demerits do is determine how close you are to getting your licence suspended.
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