I agree with just about everyone. First off. Shit happens, no one is perfect. Secondly, schedule a court date. I know some municipal courts used to have day and night sessions. Try and schedule at your convenience. Finally, on your court date speak to the prosecutor and find out what they’re going to offer. They will probably down grade the ticket and you might have to pay a bigger fine. If you can not afford a bigger find, you can accept the points and pay a smaller fine. The court won’t tell you if your insurance rates will go up, it’s up to your insurance. Prior to going to court, call your insurance company up and ask them. They should tell you. Good luck, you’ll be fine.