I mean this with all due respect (very little) if you drive without insurance you are a selfish a**hole!!!! (Mods change if you must.)
I don't want to pay was along the lines of what you said, right?? Tough sh*t, theres tons of things I don't want to do, but I have to. Imagine if you blindsided someone, and they have to have extensive surgery and therapy. I don't think that your $12 and hour is going to cover that. Therapists charge almost 10x that per hour. Immagine if the same thing happend to you, someone blindsided a person that you love or care about, and they didn't have insurance. How would you feel when you heard that the driver didn't have insurance, and you could not pay any hospital bills?
Someone could be in a hospital bed on the verge of death, why?? So, you could save a measly $135 a month? You are a fool, and your foolishness will catch up to you sooner or later. Buy insurance, like everyone else said it is totaly stupid not to.