<human>: 2 blocks from home, false sense of security, unmarked cruiser... shitty end to the day. 

The ticket is for $155.  I found out online it doesn't affect demerit points. I haven't had any luck determining how it will my affect my insurance, which could be worse for me than the fine (6 yr rate change).

This is my first ticket. I have been a full "G" driver for 10 years. 

I dont have an issue skipping my phone bill for 2 months to cover it, but I'd obviously rather not.  I've looked it up online and seen a few people contest it, only to have to pay the maximum fine of $500, which I definitely can not afford right now.   I havent come across a success story yet for this infraction that resulted in a lower fine.

The minimum fee for me to hire a local ticket fighter is $150, but may be worth it, if there would be a significant change to my insurance rates (~$110/mo right now).

Give me the gist of the text in a nutshell
<bot>: How will this ticket affect my insurance? Should I fight the ticket and risk a higher fine, in the hopes of a reduction?