Thanks Judge. I spoke with my insurance agent and got some good new and some bad new.
My policy is March to March, the accident was reported on April 1st. They cannot raise my rates for a year, at which point the previous single vehicle accident will be totally expunged. Also the "ran a yellow light" BS ticket I got in MA won't count on my PA license.
I pay $900 a year currently for insuring a 97 Cadillac STS that no longer exists. To move up to a GTO, regardless of driver history, would cost $1783/yr. My agent says to expect a premium of up to 30% next year. This would total $2317.90/yr. or $193.16/month. OUCH. That's not including that fact that I'm actually a MA resident now and need to change my license/registration/insurance to reflect this.
A car payment coupled with increased rent from the new place, coupled with a huge insurance payment wouldn't kill me, but it would sting a bit. I hate to say it but I've started to consider STI's and EVO's. GTO as my only car in Mass would have been worth the impracticality I think, but AWD is a nice feature up here.