Car Insurance

my insurance company is going to raise my charges by $50 a month at my new address.  Since I already pay like TWICE what my friends pay (my parents took me off of their car insurance when they moved to BC since I would not be driving their car ever there and that 2 year break in insurance PLUS the fact that I only changed my drivers’ license to an Ontario one 2 years ago basically makes my insurance high.)  Also I drive a Civic which apparently means that I get to pay a LOT more in insurance for some reason that I still don’t understand.  

So questions: 

  • if I *might* be commuting to work but I am not sure (might carpool) will I get in trouble if I say that I am not commuting to work but I end up doing it?
  • If I got a speeding ticket, do I HAVE to mention that?  I feel like I remember someone mentioning that you didn’t have to talk about your first one?  Am I wrong?