I have had 3 accidents when I was 18 and am now 26, have not had any violations since except for a speeding ticket I received this year, and have a court date in NYC for November. I plan to take a defensive driving course to lower those points down to 1 or 2. I’m on my father’s car insurance and he pays way too much to be on his plan, so I need to find a solution drop his premium drastically while finding something for myself that is comprehensive enough to actually protect me if something happens. Am I dreaming? Or is this possible to find in my market?