How long does reckless driving impact insurance?

Reckless driving can have a significant impact on your car insurance premiums, but for how long? This is a common question asked by drivers who have been charged withreckless driving. In this article, we will explore the different factors that determine how long reckless driving impacts yourinsurance rates.

The Severity of the Reckless Driving Incident

One of the most significant factors that determine the length of time that reckless driving impacts your insurance rates is the severity of the incident. If you were charged with a misdemeanor reckless driving offense, your insurance rates may be impacted for up to three years. However, if you were charged with a felony reckless driving offense, your insurance rates could be impacted for up to five to seven years.

Driving Record

Another factor that impacts how long reckless driving affects your insurance rates is yourdriving record. If you have a history of reckless driving offenses, it may take longer for your insurance rates to return to normal. Additionally, if you have a clean driving record, your insurance company may be more forgiving and reduce your rates sooner.

State Laws

The length of time that reckless driving impacts your insurance rates can also vary depending on the state in which you live. Some states have strict laws regarding reckless driving, and insurance companies may take longer to reduce your rates. It’s essential to research your state’s laws and understand how they impact your insurance rates.

Insurance Company Policies

Finally, insurance company policies can also impact how long reckless driving affects your insurance rates. Some insurance companies may be more forgiving and reduce your rates sooner, while others may take longer to reduce your rates.

Tips for Reducing Insurance Rates After Reckless Driving

If you’ve been charged with reckless driving, there are a few things you can do to reduce your insurance rates sooner. First, consider taking adefensive drivingcourse. This can show your insurance company that you’re taking steps to become a safer driver. Additionally, consider increasing your deductible or reducing your coverage to lower your premiums.

Conclusion

In conclusion, the length of time that reckless driving impacts your insurance rates can vary depending on several factors. The severity of the incident, your driving record,state laws, and insurance company policies can all impact how long your rates are affected. However, there are steps you can take to reduce your rates sooner, such as taking a defensive driving course or adjusting your coverage. It’s essential to understand the factors that impact your rates and take steps to become a safer driver.