It is my brotherly and a serious sincere advice to all my brothers "DONT BUY A CAR IF YOU DONT HAVE AN EXTRA 3%-4% FOR INSURANCE.
Consider Insurance as a capital cost of the vehicle. Not for a day drive an uninsured vehicle, not for an hour, not for a minute: incidents require less than minutes and that minute can be encountered any time at all.
The Govt takes taxes by force and you pay them.
PLEASE CONSIDER VEHICLE INSURANCE AS NECESSARY AS FILLING IT WITH FUEL.
You can't drive it without fuel and same should be the rule for Insurance. May Allah keep us all away from all sorts of losses... Aamin