Get a bond instead!
It's cheaper, and your not feeding the uncaged wild animal of
government authorized insurance agencies. One way to stick it to the
man! Look up Surety Bond in your state. Even someone who is not a
citizen can use this in case you don't happen to have a $300,000 worth
of gold or silver laying around to fix a fuckup. http://law.onecle.com/texas/transportation/601.121.00.html