How could you not expect flames w/ a post like that. Congratulations, you have just become the statistic. Guess what? Statistics is how insurance companies price their rates. And that affects everyone, even the good, sane drivers. Things like this are why the 18 - 20 some year old guys with good records cant get a break on their insurance rates. If i was your mom, I wouldn't even get you another car, bus fare will do. Maybe then you will appreciate the privilege of having a car, as well as accepting the responsibilities associated with it.