For Florida, when the ticket is close to being due, I go and request a court date. If you can recall the officer when you get there, take a moment (as long as you were cool when you got pulled over) pull the officer to the side and ask him if it is okay if you request, "With hold of judification". It may be spelled "adjudication". This doesn’t mean you are guilty or not guilty from what I’ve been told. You still pay the ticket and the court cost, but keeps things from going to insurance. I've not had one officer say no so far and I’ve contested most.
What’s nice about going to court is the officer wont show at times. I’ve had at least 3 not show before and they throw them out.
I’ve even done one by mail and was court ordered to take a safe driving course, but because it was court ordered, I am still eligible to elect to go to a driving course in the future. In Florida I think you can only do it once per year or once per lifetime. I forget which.
Each state is different, I talked to an attorney originally and this is what he told me to do. You may want to double check.
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