The Consitution doesn't guarantee your right to a car, and your car insurance isn't for YOUR protection or for the protection of your car, it's for the protection of anyone or any property you may happen to injure/damage with your car. Your car insurance is not required for the upkeep of your car.
No one is forcing you to buy a car, therefore ultimately, no one is forcing you to buy car insurance. However, the Constitutin does guarantee your right to life; Obama/RomneyCare forces you to buy health insurance just by virtue of your being alive, and that health insurance isn't for the protection of others you might make sick, but for the upkeep of your own self.
I don't like being forced to buy car insurance, but it's part of the price of owning a car, and my owning a car is optional. When the Federal or State government forces me to buy health insurance simply because I live, it is a far cry from forcing me to buy car insurance because I've opted to own a car.
The comparison of being forced to buy car insurance to being forced to buy health insurance, is fundamentally flawed.
I get your point. Thanks.