I ditched my car this past Summer, switched my insurance policy with my insurance company to what they call "pedestrian insurance" at $15.00 a month. I'm covered if I borrow someone's car or rent a car. Also, I get medical coverage if in an accident while in a car, on public transportation, etc. Probably one of the best deals on the planet. I'm sure an internet search will come up with more than one insurance company that offers something similar. Of course you will need to have a driver's license, but as anti-personal automobile as I may be, a driver's license is still a handy form of identification when needed.