well, i'm 19, and i already lost my licence. state of iowa for my 17th bday suspended my licence for 3 tickets in a year. 3 months gone, lady on phone interview to keep it said she would have let me keep it, but since i was under 18, she wanted to "teach me a lesson". she did drop the civil penalty fee (like $250) and the SR-22.
but, i guess mine isn't that bad. some of these posts sound like the insurer is raping them.
also, about my tickets.... i was a dumb driver at one time. notice i haven't had a speeding ticket since 4/01. also, the y-restriction violation was when i was on my way home from work (i broke my exhaust off at the cat on my honda, the city cop where i work followed me into the town where i lived and had to get permission to pull me over. all he wanted to find out is why i was driving such a loud car. but the other cop tried telling my mom when she got there that i was trying to run from them [i drove half a block and turned cause i didn't want them to have to stand on a 4 lane, no parking busy road]). the 42 in a 25, i wasn't paying attention at all. the careless driving was obvously just stupid. the other speeding ticket was driving next to a van (i was in a 1984 monte carlo ss) doing the same speed, and a cop whipped a s*itty and pulled me over and tried giving me a ticket for no exhaust (had factory-equivalent exhaust on it). and the accident was i was looking off to the left at a freind's car that was at mcdonald's, and it just snowed earliar in the day and everyone in front of me decided to stop at a yellow light, so i hit the brakes, and try to avoid an s-10, but i didn't make it.
all in all, i'm not a bad driver, but i was, but i learned my lesson. i learned to drive with my head and use good judgement to know when i can and can't speed (like NEVER do more than 30 in residential, too many kids with parents that don't watch them)