Lower the Insurance you Carry

Lowering the amount of liability you carry can certainly save you money.   You could also drive a less expensive car, both ways will lower the amount of auto insurance you pay each month.  If you carry the minimum required by your state,  that is another way to save some bucks.   Keep in mind that as you lower your liability coverage, and you own other assets, such as a home or business, and damages exceed your coverage, you can put those assets in jeopardy. 

It is possible that your insurance company could view you as a good risk after a few years of a good driving record.   
Understand that they will not hold your past against you forever.   When you apply, don’t hold anything back from the agent because they have sixty days to review your background and if they find something you did not tell them about, they can legally cancel your policy on the spot.  

This will absolutely create a harder time for you when applying for insurance again.
High risk drivers need to shop around before choosing an insurance company because there are many companies who claim to insure anyone, but for the high risk driver, it will come at a high cost.