My options are:
1. Go to court and fight it

2. Pay the ticket and take the insurance hike:

Penalty=$25
Court Costs=$100 ( Court costs even when you don't go to court. Basically they're charging you $100 to cash your money order and sign a sheet that says it's been paid)
Total=$125

3. waste a precious 4 hours of my life in boring ass traffic school, that might get it cleared. and then if I get a worse ticket within the next 3 years, traffic school will no longer be an option.