<prompt> Human: My boyfriend, age 22, bought his first car last week late bloomer, I know. Used 2014 jetta. He currently does not have any driving record, as he just got his license last month. He has Direct insurance. His father co-signed on the car to save him money on the monthly rate, and also added him to his existing insurance. We called Direct, gave them the info, and they quoted 114month on my bfs end of the insurance. Money will be tight, but it was doable.He paid for his first month, everythings good and happy.Except today, his insurance is now 270. It literally went up 156 dollars overnight, without warning. Hell be calling them when he gets off work, but my question is this: how the hell did this happen, and why? It would be one thing if he were a new driver AND had collisions under his belt, but hes simply a new driver. I figured, for that reason, hed be in the higher brackets for risk, but would it really be that high, even after such a quote? If nothing more, someone messed up.We live in Texas, for law references.Thanks in advance for your help.  <response>: My best guess is...The original quote for 114month was probably assuming dad would be the primary driver and BF would be an occasional driver.Then insurance got the full picture that BF is the primary driver, and adjusted the rates accordingly. 