Well see if your dad got a $800 quote that was just him adding the car and supposely him driving. The 2nd time he called he was putting you under his policy and must of stated you were the primary driver of the Civic. So that's how come it jumped up so high. Even with a clean record... your around the age that more teens are prone to getting into accidents. So every year if you keep a clean record it will go down... atleast it should but don't expect a drastic amount.