Whether your insurance company will raise your rates or take any action is something you need to discuss with them. As to the ticket, you could plea to the summons, take the 2 pts and low fine, and then take a safe driver course to forgive the 2 pts; or, try to get the prosecutor to amend the summons to unsafe driving, 0 pts, but fines and surcharges of at least $400.00. Good luck.
DISCLAIMER While I do practice law in your State, this answer is provided solely for informational purposes only. This answer does not constitute legal advice, create an attorney-client relationship, or constitute attorney advertising.