Can I lower my insurance rate after my wife got several accidents and speeding tickets?

In the past two years, my wife has been in three accidents and had four speeding tickets. As it stands right now, our insurer charges us $375 a month. Is there any way I can lower this rate while keeping my wife on the policy?

Answer provided by
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Unfortunately, you’re probably not going to be able to find a rate that’s all that different, though it’s still worth the effort to shop for car insurance quotes online.
Because your wife has such a poor driving record, she’s undoubtedly viewed as high-risk. Furthermore, this driving record will stay with her for up five years, meaning that she won’t lose the high-risk categorization until she has accumulated five unblemished years of driving. You should definitely shop around for cheaper rates, but chances are you might only save a few bucks a month.
In the meantime, you might suggest to your wife that she take a safe driving course. Taking a course offered by a car insurance company is usually free, and upon completion, they may lower her rate by five percent or 10%.”

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