Statefarm unbelievable qoute

Hello everyone,

So I'm a high risk driver with a few accidents on file. Two recent ones and one about two years ago. I'm buying a used car soon, and I was given a qoute by a couple agencies for numerous amounts on a Kia Soul 2020, ranging from 400 to 1000 a month. While I understand that's the name of the game, I contacted a state farm agent who loaded my record, ran my qoute and got me a qoute for 207 monthly for full coverage. Now, she said one of my accidents aren't on file, ( not sure of that has to do with errors or whatnot ), but the agent then ran it with the additional "what-if" scenario of me having to said missing accident on file, this only increased my qoute about 50 bucks. Now, I'm curious if I should go with this qoute, because obviously its a gamble with underwriting.. but her and manager verified the qoute, but also said it's going to increase obviously once that accident hits my report. What should I do? Because it's a good deal so far, just don't want to purchase the coverage now, then get dropped or the rate randomly goes into the 900s+ monthly.

(Edit) I'm aware prices will be high. I'm just curious what people would do in my situation