Beginner’s problems with insurance? Feeling fucked up

Hello! Says I was at the provincial today and wanted to ask myself how this is with the insurance and so it can be that all of them want to pull over the table or what? I wanted to run as a second car over my grandpa (30%) depending on the Corsa, Astra, Tigra. Is that right, that I then start with 140% (approx. 160€-20€ mtl.)? Is that too much or is it still possible? He wanted to know how old the one is driving with it and if the one is under 25(85%) it will be cheaper to go to the provincial today. If I let the car run over my grandpa that’s clearly over 25 and so it should be done or not? Besides, he wanted to know how much I drive and if the car is in a garage, can you just lie about that? Because if I do an accident anyway then when I drive a car and not at the stand?! Ahja is partial cascade at all useful? The cheapest of the cars should be the Corsa, Tigra is almost priceless for the Azubi….. How am I supposed to do that anyway? I’m stunned have never had anything to do with it…. mfg Christian