way to fix that? I am 20 years old and recently purchased a new 2007 cobalt sedan last month it was raining and I rear ended a lady. It was around 2500 dollars worth of damage to my car and her car only had a scratch no police reports were filed. Since then my full coverage farmers insurance went from 130 to 200 and I need to know if it will go down or am I in trouble till im 25.

If you decide your insurance premiums are going to be too high with your current insurer after an accident, this may not be a bad time to shop around for a new policy.
While looking around, you may be able to lower your premiums by taking advantage of certain discounts. Consider the following advice from the Insurance Information Institute:
Comparison shop. Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around.
Ask for higher deductibles. A deductible is the amount you pay for a covered loss before the insurance company begins picking up the bill. By requesting higher deductibles on collision and comprehensive coverage, you can lower your premium costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15% to 30%.
Drop collision and/or comprehensive coverages on older cars. No insurance policy will pay more on a claim than your car is worth. It may not be cost effective to buy collision or comprehensive coverages on cars worth less than $1,000 because your claim payment wouldn't be much more than your annual premium and deductible. Auto dealers and banks can tell you the market value of your car.
Buy a low profile car. Before you buy a new or used car, check what it would cost to insure. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.
Take advantage of low mileage discounts. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.
Find out about automatic seat belt or air bag discounts. You may be able to take advantage of discounts on some coverages if your car has automatic seat belts and/or air bags.
Ask about anti-lock brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states, including Florida, New Jersey and New York, require insurance companies to give discounts for cars equipped with these brakes. Other insurance companies provide this discount nationwide.
Inquire about other discounts. Insurance companies offer discounts for things you might not be aware of. Discounts for having more than one car, drivers over 50 years of age, driver training courses, anti-theft devices, and good grades for students are all examples of ways your insurance costs can be reduced by inquiring.
"Unfortunately very few other incentives will cancel out the damage that an accident can do to your premiums," Saperstein said. "You can choose to play a little hardball with the insurer, but you may just have to shop around to find a better deal somewhere else."

first of all don't be stupid rear end is the wort thing to do .second dump farmers on their ass they are high my mother had farmers for 40 years and has recently drooped them you need to shop around and find what is best for you

dump farmers

Sell your car and ride a bike.

There's always the possibility that it might go down if you could prove that you have a clean track record now. Appeal and see if they are willing to reduce otherwise if not, you could always change to another insurance.

I have the answer for your problem.. GET RID OF FARMERS.. They are one of the worst insurance company's around, and really good for raising rates. Put it this way, I deal with them on a regular basis, and still wonder why anyone would take insurance thru them. Obviously your in a state that has more than one insurance company. Try state farm there good on rates for people under 25. Or other companys like Hartford, American Family... But no if they went up they will probably stay like that until your 25, or for at least 3 years.