It seems like the ticket is something you don't want to pay because it will effect your insurance. Under that scenario perhaps you want to consider appealing the ticket and see what happens. Ultimately it is going to up to the judge. If the ticket really matters that much to you, you may want to consider hiring an attorney.
Attorney Jason Chan
77 Franklin Street, FL3
Boston, MA 02110
disclaimer: I am not licensed to practice law in your state. Please be aware that this is for informational purposes only.
It would be worth your while to consult with a traffic attorney familiar with the judges and practices in the court where you received the ticket to explore your options. An attorney familiar with the policies and procedures of the court will know the likelihood of negotiating such a resolution given the circumstances of your case.
Check with a lawyer in your locale to discuss more of the details.
Good luck to you.
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