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If you have an otherwise clean driving record you can more than likely talk to the officer and the prosecutor and they will knock it down to something with no points.
The ticket isn't what gets you and if you have a good insurance company they either won't raise your rates or won't raise them much over one accident. The state surcharges are a different story, they can bang you up to $250/yr for 3 years on top of whatever your insurance does.
Be sure to call the court and let them know that you want to plead not guilty, if you get there and they don't want to work with you you just get a "court fee" on top of the ticket. It really is worth trying to talk to them, just be honest and they will most likely help you out.
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