Here's is the best advise you will get......take it or leave it.... Pay the fine and move on. The rest is ...bullwater... If you want to spend more money, then lawyer up and maybe he can get it reduced. Keeping it off your insurance....well you 1st have to get it off you DMV record which is what your lawyer will do, maybe. It all comes down to the Judge. He or she may not be so cooperative. Most states now take your money and nothing is said. But, court is another whole ballgame. If this happened to this old cop today. I would pay it and move on. Insurance companies randomly check records, like if you want to add a car, or a driver to your insurance, or change, let me state that again, or CHANGE, insurance companies, they will run your record....good luck... Oh, and I don't think you are trying to shug off your responsibility. No one like getting a citation and paying. But 300 bucks is cheap for a reckless driving citation...In IN, that could be speeding plus reckless driving....again....good luck...