<prompt> Human: Hi, Id like to start by saying that this is my first post and Im sorry if this isnt the right subreddit! Im a 21 year old male and I got pulled over for the first time last week. I live on my own with a few roommates but thought I was covered on my parents car insurance surprise, I wasnt. I live in the state of Texas. I was given two citations, one for expired registration, another for driving without insurance, and was told that I was lucky they didnt tow my car. I have no idea what I would have done if they did. Im extremely confused because I pay an extra 9 on top of my car payment for an insurance premium at the bank where I am financing my car. I immediately went home and bought insurance through Geico, many people recommended it and said it was the cheapest I could get for someone my age. After factoring in the two tickets I have received, my monthly payment for the next six months comes out to 384. I wasnt sure about factoring in the tickets but figured I probably should, I hope I didnt make a major mistake by doing so. I purchased it so that hopefully I can bring it to the judge to show that I now have coverage and bought insurance as soon as I knew I was without it. I make somewhere between 1,000 and 1,100 dollars a month, pay 450 for rent including utilities and 90 for my car payment. I work about 36 hours a week at Starbucks and its a pretty exhausting work environment so Im hoping I can somehow manage all of this without having to apply for a second job. My court date is March 3rd and Im not sure what my options are. Is there a way for me to get a redo for a quote through Geico if by some miracle the judge waives my ticket or something? I apologize in advance for not being very well educated on this topic.  <response>: Im extremely confused because I pay an extra 9 on top of my car payment for an insurance premium at the bank where I am financing my car.This is most likely gap insurance. It will cover the difference between insurance pay-out in case its totaled versus the amount left on the loan. My court date is March 3rd and Im not sure what my options are.Now that you have insurance make sure it meets your states minimum liability requirements, make sure to get your registration up to date. When you go to court, supply all documents being current and explain to the judge how you didnt understand that you werent covered by your parents and the loan insurance. You didnt understand. Also, explain why you missed your registration. Promise never to do this again and ask for lenience. Generally theyll give you a break if everything is squared away and you do not have record of doing dumb things.Obviously keep insurance from here on out. Its more incase you damage other peoples stuff and less about you. 