<prompt> Human: Ive had 1 wreck and 1 ticket. The wreck totaled my car. It took my insurance State Farm 4 months to pay off my loan. My father called and called and they finally paid my car off. Yesterday I found out my insurance was going to be 229 instead of 192, Which is ok. I had a wreck and a ticket. I understand it has to go up. My father got a call from State Farm today and now my insurance is shooting up to 556... What do I do?I am on my fathers policy as a secondary driver to my personal vehicle.  <response>: You can call around for other quotes.A 17 year old with a wreck and a ticket is going to pay higher rates. 