Okay, I'm genuinely curious. What kind of stupid ass sh*t did you do to have that expensive of car insurance? I'm 29, and granted I have no speeding tickets or accidents on my record and I pay about $50 a month for liability and emergency towing. Only bad mark I have against me is a bad credit score.
While I do think Gbaji makes a relatively decent point about the high expense of your vehicle, you are absolutely correct that cars in this day and age are pretty much a necessity. If you live somewhere without public transportation anyways. When trying to decide between food and my car, I'd have a really difficult time figuring that out where I currently live. I've got a 10 minute drive from my home to my work, so if I didn't have a car I'd be pretty much screwed. I guess I could sell the car and buy a bike? But still, where I live it's extremely rainy during the winter months. When you're desperate though, you're desperate.