I racked up 12 points in my first 6 months of driving. Thank god they didn't have the probationary period like they do now. A year later I got another ticket which pushed it up to 14 points. I was paying about 4k a year between insurance (liability only) and surcharges. Had to take that defensive driving course - my camaro was overheating on the way there - and I was running late. I committed 7 moving violations on the way to class including speeding, driving in the opposite lane, blowing red lights, etc.
My first few cars - I didn't pay for - so I didn't care about them. I once raced a friend through the neighborhood where he lived in brick and actually did an ebrake slide in my 1979 Grand Prix at 50mph to cut a 90 degree angle turn (with a footbrake/hand pull release on the ebrake). In my first year driving, I had a bunch of accidents, and drove like a jackass. 2 Hit and Runs my first week driving.
I'm now down to like 4 points on insurance(middle of a 4 car pileup last march), and I think 0 state. I've learned to slow down alot. Staying with traffic really is the best thing. I still regularly hit triple digits on the way to work on the weekends, but only in a spot where there is no shoulder for quite a while, and I'm less likely to get caught. It's also for a very short period of time. I do it because it's fun, and it also lets me see how well the tires are balanced. I have a radar detector - but the best way to tell if there are cops ahead is still just watching the traffic ahead of you for odd lane changes and brake lights.
I am one of 8 kids, I have younger siblings and nieces and nephews who are just starting to drive recently - so now I find myself trying to lead by example whenever they are around. It's hard though. My little brother just wrecked his Nissan 240 about a month back - 40 stitches in his face (glass and he bit a hole though his cheek on impact). That kinda reminded me why it's important to be careful. It's not just the risk of physical harm - it's the money involved with getting the car towed, the tickets, the repair costs, and the pain in the ass of getting all this done while still having a social life and getting to work on time.