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Insurance company has got to be loving you right now. My son totaled my '01 Jeep Wrangler last June (he was 19, classified as an inexperienced driver in NC [license less than 3 yrs]), insurance hit him with 5 points (not cited by police department though - claimed he didn't stop quickly enough).
Rates went from $240 p/mo to $475. We bought him an 01 Jetta as a replacement car for $5000 and had to drop collision to get the rates back down to a mere $250 p/month for the next three (3) years.
So far, 13 months with no tickets or accidents... We did sign him up for driving school though too.
Driving really is a priviledge and not a right.. Good Luck, take care of that Camaro.
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