Crazy insurance rates wtf?

"These records is for her family and my stepdaughter. After long-term unemployment her spouse recently returned to work as a trucker. He may bring home around $500 per week. They presently don't have any health  insurance  ">insurance Please support. Is it essential to acquire a car insurance drive and as a way to employ my automobile?
What aspects affect how much I'll pay for auto  insurance ?
"What can I actually do if my auto insurance company declined my state for inconsistency