<prompt> Human: Im 27, at 21-22 I totaled a car, since then Ive had a long string of speeding tickets for going 5-15 mph over the speed limit, maybe about six over past 5 years. When I moved to MI from Georgia I shopped around at all the bif name insurance companies Progressive, Allstate, Stae Farm, Geico, etc. they all gave me the same price so I went with Esurance for the online convenience. I hate spending this much, I just want bare bones minimum insurance what can I do? At this rate, I could just buy a new car for what Im spending!  <response>: Michigan being no-fault and generally having high theft rates, means you will pay through the nose and there isnt jack you can do about it.pick up a beater, get liability only, and stop speeding. 