Will I get demerit points for this?
Will this ticket affect my insurance in anyway?
Every insurance company is different.....check yours
What is absolutely important is that you do not identify yourself when asking policy questions. Otherwise they will make a note on your file and this information is shared with other insurance companies. Which means you won't be able to shop around for a better rate later.
Fight the ticket. At this point you have nothing to loose except your time.