<prompt> Human: So December 2015 I totaled my mothers car while I was on my parents insurance. Then this March 2017 I totaled my own car 2006 Honda Civicwhich I just had for one year. Now Im looking to get another car, but every quote I get is 300 for full coverage. Im a 24 year old female who has had 2 totaled accidents and cannot afford insurance. Ive looked at older sedan Honda, Acura, and Subaru cars to buy. Even those cars are having really high quotes. I used to pay 245 after the first accident, but now pay about 375 is too much. Any advice?  <response>: Advice:- Stop getting into accidents- Buy a beater, buy liability insuranceYour insurance company has had to pay out something on the order of 10-20,000 worth of damages in the past two years. If the above is too expensive, then you want:- Buy a motorbike, get liability insurance. It tends to be cheaper because, thanks to physics, theres simply less damage you can do with a motorbike.Youre high risk. Simple as that. 