i'm looking to get a car and it's gonna be something pretty inexpensive. like maybe around $2000. now do i have to get the car itself insured, or can i just insure myself as a driver? so what i mean is, if i cause an accident and both cars are wrecked, my car won't be covered cause it's not worth much anyways, but since i'm insured as a driver, my insurance would cover the damages of the other driver. can iget insured this way or does that not exist?