Everyone screws up when they are young, I got 3 tickets within 6 months of getting my license. That being said I smartened up and paid they $4000 a year for basic insurance for they next 4 years. Now 12 years later I haven t had a ticket since and only pay $1100 a year for full coverage on 3 vehicles. I say use the loophole, get your license then use your head and stay clean. Way more benefits in the long run