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Go with the SS now. If needed wait for 3-4 months so you'll have a bigger down payment.
As for insurance and gas, I'm 24 years old with a clean record. I just went to the insurance company to pay my car insurance and got a quote for the new Camaro. The SS will run me about $100 a month while the LT will run me about $85 a month, that's just a $15 difference a month, less then $4 a week. I can spend an extra 5 mins a day at work and cover this extra cost. The SS gets roughly the same mpg as my '97 Z28 so there will be no difference for me but I figured that for me the LT would save me about $20 a month on gas.
Sit down and crunch some numbers and figure out the actual difference between the two. You'll be surprised how small of a difference it really is between the two cars and if you can't afford that difference then should you really be buying a new car atm?
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