Need Help!! What do i do?!, Reckless Driving Ticket. Options

[LimitedST]

okay, awhile back, i got a ticket for reckless driving.
the officer said i was going 60 in a 40, which i know that i wasnt. and he did not get me on radar.
he got me for reckless driving, illegal lane change, faiulre to use blinker, and following to closely.
Today, was my court date, and i went in. They gave me Two options. Either, take a plea aggreement, pay 500 dollars, plus go to a aggressive driving school.
Or plead not guilty, and come back another time, talk to a attourney, deside if i want to plead not guilty, or take the plea aggrement.

My mother , who still treats me as im a child, doesnt want me to take the plea, because of insurance rates going up, and i wouldnt be able to afford insurance? instead she insisted i pay 4000 for some lame ass lawyer to get the **** dropped. but i cant afford 4000 either.

do i fight it? do i get a lawyer? do i take the plea and say guilty? what do i do?
need hhelp, please.