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Can I use my parent's address if my college zip code is causing my rate to increase?

The zip code where the vehicle is primarily kept is what needs to be used for insurance purposes. Depending on your age, company, and residential state, you may have been able to stay on your parent's policy, but since you now live off-campus you will have to use the address where you live.

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How do I help my father lower his rate if I'm on his policy and have accidents?

One thing to keep in mind is that accidents occurring more than 5 years in the past should have no impact on your current insurance rates, so you are definitely outside of that window. Concerning your speeding ticket, if you have not yet been to court then it most likely has not been added to your driving record, meaning you shouldn't be penalized for the violation if you purchase insurance coverage before your court date.

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If a ticket on my record passes 3 years, is my company required to lower my rate?

Tickets should only be chargeable for 3 years from the issue date. However, some companies will not adjust your rate until your policy renews which is likely what your agent was referring to.
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