Who ever says "pay the fine and move on" is a well.. Pinside rule #1 prevents from saying.
Always get a lawyer. Doesn't matter if it's 5 over or 50 over. Most states have layers that specialize in traffic tickets. More than likely, they can get it reduced to something else that won't affect your insurance. The system is designed to have a lawyer on your side, do not go solo or agree to pay; lawyer up!