Advantages Of Contesting
Just go contest it man. This ticket thing is a business for the government. They have very low speed limits at many places so that they can get more money.
According to a research, if only 2% more of the people who get ticket start contesting them, it will crash the judicial system related to traffic code. AND THEN COPS WILL GIVE LESSER TICKETS EVERYWHERE.
Even if you dont have a chance to win you can always change your plea in court (for $30 i think, max $45). But even in that you have 2 benefits:
1- You dont have to pay or loose points now. Which means atleast your insurance wont go up this year (see you save more than the $30 you will pay to change your plea). The court process will take good 8-11 months, and you can always make an excuse for atleast one time (gives you 2-3 more months)
2- When you go to court, negotiate with the procecution that you will change your plea to 'guilty' if they reduce the fine or take off some of the points. They might do it and they might not do it. Its a 50-50 chance (depends on the procecutor). Anyways even if he says no, you can still plead guilty (around $30) (unless you think you can win)