only 300 a month for insurance?!? thats a f*kin deal man considering your age and the type of car you drive... i think your mom was over reacting.. if i were to be "self insured" i'd be paying close to 3600$ for 6 months :shock: ... that boils down to 600+ a month. I think i pay 300 a month now.
Anyway, i doubt your insurance will increase 100 dollars a month.. it seems unreasonable since your first ticket was "waved" and the ticket you just recieved wasn't a huge violation. Things probably wont be a problem.
like scott said earlier... you'll be able to afford the insurance or not. Things will be fine