No, you have to pay those anyway. But it will lower the total spend and so you'll have money available to pay them. You don't have to be rich or anything. I live in San Francisco, and insurance for my Subaru Forester costs me $1.2k/yr and I have comprehensive coverage.
So if someone were to buy a $10k car and instead chose a $5k car, it'll be as if insurance were cut to $700/year for the next 10 years!
If you value your privacy, that's a solution.
