David,
You do have a rather large problem here because your ticket is for doing 90 in a 65 mph zone. That is 25 mph over the limit and a rather hefty fine and points on the your license, and possibly license suspension in some states. Now, I don't want to get into the whole fight vs. fess-up argument, but often if you go to court you may have your fine and/or citation reduced where the impact on your insurance is much less. The state is happy as they still get their money and you're somewhat happy that your liability is reduced. It may even be worth it to get a lawyer on this one.
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