Bobby, I know you are kidding. But for those that may consider going without insurance....take the $1000 fender bender, throw in a person that has neck or back problems and goes to the emergency room (you take them as you find them and if you aggravate a previous injury that is just too bad). All of a sudden you may be up to $10,000 in medical and another $10-$20,000 for pain and suffering. Now add an attorney to the mix and you will have only fond memories of the business you once owned before the person you hit and their shyster take it away, plus you will have to pay for your own lawyer out of your pocket. Now add on the violation of your state financial responsibility law and the fact that you will have to prove to the state that you have insurance through an SR-22 financial responsibility filing your new and expensive insurance company will make for you over the next three to five years. Add in the fines you may have to pay for causing the accident and operating the vehicle without insurance. Better put that money you save in premiums in a very good investment because your going to need it!!