Dont assume your insurance premiums will increase due to this ticket. Especially of you have a very good driving record. Call your insurer to determine if this is indeed the case. If you have to pay the ticket, that’s a sunk cost anyway. So now it’s down to $20 for the school and 8 hours of your time plus insurance premium increases. So what are the $$ behind each of these? Add em up and then decide your course of action. And if it’s cheaper to pay and not go to school then do it. You can always go to school on the next one.