With car insurance, you aren't actually required to insure yourself: you're just required to make sure you can pay other people for any damage you might cause them in your driving, either by having sufficient funds yourself (Enterprise Rent-A-Car do this in most states: they don't have an insurance policy, they just have a big enough pot of money that if you crash one of their cars, they pay for the damage).

Ksst: Make your insurance policy pay $9/month for contraceptive pills, they'll be taking that $9 from you in premiums - plus some overhead. Why not expect your car insurance to "cover" oil changes and servicing, too?