Liability insurance is on cars because in some instances the owner can say "It was stolen/borrowed/rented - not my fault."
Most insurance companies offer a discount for more cars than drivers. Shop around.
Nonetheless, legally mandated insurance is a violation of the principle "innocent until proven guilty", and should be ended immefiately.
What part of "Punish the police" did you not understand?
The whole system of making illegally acquired evidence inadmissible is wrong. It creates 2 injustices, the original felon goes free and the policeman breaking the law is unpunished. Because the only downside for those illegally acquiring evidence is seeing work go to waste, there is negligible disincentive for acquiring evidence illegally.
In a case like the one in TFA, the felon should be doing hard time for attempted murder, no possibility of parole. The policeman should be punished by (for example) a month in jail and a fine of a month's (gross) pay.
"The lesser of two evils -- is evil." -- Seymour (Sy) Leon