Short term or long term disability insurance?

Insurance question with two labels to the concept?
"Our bike was stolen and at moment I didnt have insuranceToday im paying 45$ per month on auto  insurance
I'm looking for medical insurance coverage that is less expensive
Most suitable choice for obtaining  insurance  for my 8 yr-old kid?
How to get  insurance  having an impaired driving/ hit-and-run prices?
"Can my auto  insurance   go-down if i didn't have any accidents or traffic passes