P.P.
I agree with most people on here... you broke the law, so fix the things that are wrong. Drving with no insurance, in my book, is worse than speeding. If you have a wreck then you are costing someone else a whole lot more money, because of your carelessness. If you can't afford the insurance.... then stop driving the car until you can!!!!
The one thing that I would add, is that you are lucky to still have the car. We got pulled over and didn't have a current insurance card in the car (we have insurance, just didn't replace the old card) and the officer told me that he could technically tow the car and we would have to pay the fines along with the towing bill (and then we would also have to figure out a way to get home, because he would leave us on foot). Luckily he let us go with a warning to replace our card, but just know that if you keep knowingly breaking the law, it will catch up to you.