Hahahaha. So your saying that the car that is cheap and inexpensive will kill you if a semi hits you? Also, I see it as sometimes those fast and efficient cars sometimes are not that fast. Obviously for the picture above it did not beat the semi heading towards him.
This image is effective at showing how true value cannot always be measured by money. If in saving money other elements that are far more valuable are compromised such as safety as seen in this photo than there has been no gain.
The insurance cost can't be much different than a motorcycle. It's a very economical thought to accident response.