Help please with health insurance?

"After I bought it 7 years backi am 20 and also have been transferred my check for 2 decades but don't have any no claims benefit as i have been operating as second driver on someone else insurance but now would like to get my no-claims reward along with the rates are absurd i am planning to spend in the area of 1500 annually or 150 P/m that we lean is far to much. The comparison sites have been used by me no fortune simply getting rates for above 2000 any support would be good.
"I was rearended in a vehicle accident in californiaBest  insurance ?
"Hi guys. Well"Exactly why is it important if the probability of a crash are not quite high to carry auto  insurance