How will this 15-20 mph speeding ticket affect my insurance?

Could I get my own auto-insurance?
Basically get a loan to get a car through a credit business.in order to acquire my  insurance  fee to go down could I place dad like a driver? My issue is does my dad have to be on the loan to be the main driver although After all so far as the supplier is concerned its paid cash since its paid having a check and me be extra? Or do i have to be primary.ive never been covered as well as in my father and 22 cant purchase the auto because he's an impending social security thing.help!
"My mom is understanding how to generate and dad got her therefore I have usage of it should I require it a little Vauxhall Corsa and also the concept was to insure me around the vehicle