Your driving record directly effects what your insurance rat will be. You are 19 already in a high risk category, now add you accident and speeding ticket Even higher risk. Now the tC is considered a sports car= higher rates. Sorry to be the buzz kill but you will be paying a high rate until you can prove to the insurace company you are a responsible driver.

If you try to trick the insurance by putting the car in your gf name and you get into the accident. the insurance can deny payment since you are not on the policy or not the primary driver.

 

they won't if it's permissive use and you do not regularly drive the vehicle and do not live in the same household.

Also, some insurance companies force you to pay a double deductible in that case.

 

DP is cool. He knows his insurance info!

 

If you have a spotty driving record, don't drive a new car. State Farm is charging you an arm and a leg because you are young, have an at fault accident, and a ticket. You will have to go to a risk company like Progressive until the accident falls off your record as long as you don't get another ticket or accident. Many people, especially young people, don't fully realize what irresponsible driving can do to them until they see their insurance bill or end up in the hospital. I sell insurance for a living and it really appalls me seeing some of people here bragging about how fast and stupid they are driving.