Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • First, you should understand why reckless driving charges can increase your insurance payment
  • The prices charged by auto insurance agencies can vary widely from region to region
  • Most insurance companies let you request quotes online

If your car insurance is high because you have been cited for reckless driving, you might be struggling to make your monthly payments.

Fortunately, there are ways you can save money on car insurance, even if your driving history is not perfect.

If you want to know how to save money on car insurance after you have received a reckless driving ticket, then compare car insurance companies for FREE by entering your zip code into our FREE tool above!

Table of Contents

Good Driving Records Matter

First, you should understand why reckless driving charges can increase your insurance payment.

If you are in a collision and it is determined that you were the driver at fault, your insurance company will have to pay for the damage.

Your insurance costs go up when you are a reckless driver because your insurance company is worried that you are going to cost them money.

If your insurance rates have gone up because you have been charged with driving recklessly, your best option is to compare prices from different insurance companies so that you can save some money.

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Compare Rates from Different Insurance Companies

In order to get a good rate on your car insurance, you need to compare rates from different insurance companies.

The prices charged by auto insurance agencies can vary widely from region to region.

In one area of the country, an insurance company could be quite cheap, but in a different part of the country, that same insurance company could charge too much for monthly coverage.

Get Quotes Fast Online

Although comparing insurance rates used to be a time-consuming project, it is easy to compare insurance prices today because of the internet.

You can get quotes in just minutes after you fill out a basic form.

Instead of spending all weekend comparing insurance costs, you will be able to make an informed decision in a single afternoon.

Of course, there are some things you should keep in mind while comparing rates online.

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Compare Similar Plans

When you compare insurance rates online, make sure that you are comparing similar auto insurance plans.

If you get a quote for comprehensive insurance from one company and a quote for collision-only coverage from another, you will not actually know which company is cheaper.

First, decide what type of insurance policy you need before you start getting quotes.

Then, when you are filling out quote forms online, make sure that the quote you receive back is the type and amount of coverage you need.

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Compare Discounts

After you get quotes from several major insurance companies and figure out which companies charge the least for insurance, contact these companies directly to see if you can save even more money.

First, you should educate yourself about the common discounts offered by insurance companies.

Then, contact some of the least expensive companies and ask them if you qualify for any of these additional discounts.

Online quote forms can tell you about rates, but they often do not figure in every discount for which you qualify.

Multiple Insurance Policies Can Save Money

One common car insurance discount that many drivers take advantage of is purchasing more than one insurance policy from the same company.

For example, if you are a homeowner, you could purchase your auto insurance and your homeowners’ insurance from the same company.

You might also be able to get a discount if you insure more than one vehicle from the same company.

Let Your Insurance Computer Monitor Your Driving

Recently, some insurance companies have started giving discounts to policyholders who let the company monitor their driving.

Typically, an insurance company will send participating drivers a small transmitting device, which they install in the insured car.

This device records information about a policy holder’s basic driving habits and transmits this information back to the company.

Not all insurance companies offer this option, so make sure that you check with your agent if you are interested in this discount.

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Save with the Right Payment Option

Another way you can save on car insurance is to choose a payment option that qualifies you for an additional discount.

Some insurance companies give customers a price break if they pay for six months’ or a year’s worth of insurance at once.

You might also be able to get a discount if you have your monthly insurance premium automatically debited from your checking account.

Renegotiate Your Rate

Once you find a company and purchase an insurance policy, concentrate on driving safely. You do not want any more reckless driving tickets on your record.

After you have been a customer with a company for a while, contact an agent. Tell them that you have been a model driver and that you want to renegotiate your insurance rate.

If they do not lower your premium, you can always compare rates again online and get a better deal.

Enter your zip code below and find cheap car insurance for FREE!

References:

  1. https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance
  2. https://www.allstate.com/tools-and-resources/car-insurance/what-is-collision-insurance.aspx
  3. https://www.nationwide.com/personal/insurance/homeowners/index.html
  4. https://www.progressive.com/