What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
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Can I pause my insurance while I'm away for work?
If your vehicle registration isn't up for renewal soon, you might be able to put the vehicle into "storage protection." What this means is the vehicle is not legally allowed on the road, but will still maintain comprehensive coverage in order to protect the vehicle from theft and weather damage. This will also help reduce your premium without having to cancel your insurance or registration.
What options do I have if I had an accident before setting up my insurance?
That would be considered insurance fraud. Unfortunately, the fact that you didn't have an active policy at the time of the accident means that you won't be able to file an insurance claim.
Does car insurance cover a locksmith?
If you have roadside assistance on your insurance policy then it is extremely likely that your policy will cover a locksmith to unlock your vehicle. You might even be able to get your vehicle "re-keyed" under your roadside assistance coverage if you aren't able to find your keys.