Okay, my insurance for me being 21, student, and multi-line discount through state farm was 347 per month before getting married, now it's 132 per month. Get the 2wd unless you NEED 4wd. Trust me!!!
the parking tickets shouldnt affect your insurance, a speeding ticket 6 mph and over will, and the accident that i assume you caused will, its probably going to be alot of money