Auto Insurance  

In my state, auto insurance is not required. I know it is important to have and learned years ago, the dire financial consequences of driving without it. I have somehow,over the years, regardless of how financially strapped I am, managed to keep myself covered for at least any liability I may cause to someone else. That is until 3 months ago. With the economy the way it is, I unfortunately had no choice but to let it lapse. I simply did NOT have the money. I have been very nervous driving and was lucky enough not to have caused any accidents. Finally I got my income tax and ran down today to get myself insured again. I was paying $117.00 every 6 months and stupidly expected to pay somewhere close to that same amount. Not so. Because I had lapsed more than 45 days, my insurance jumped to 363.00 for the exact same coverage which is only liability. So I go in trying to do the right thing which I hadn't been doing simply for lack of money and I get charged a ton more!!I have a perfect driving record. What kind of sense does this make? Luckily, I had the money but I'm not so sure that I will in 6 months. Insurance companys are literally raping our wallets and making it so difficult for those on limited budgets to afford it. Sadly those are the people who least can afford to be without it.