I had 3 points on my driving record, but 2 recently were added so now I currently have 5 points on my record. I'm financing my car through Toyota Motor Credit and have 3 1/2 yrs. Left to pay on it. I can't afford full coverage insurance any longer because of the DUI I just got last month. Toyota said I have to have full coverage, but I'm wondering if there is any way to get just liability insurance? Will they find out, and will my car get repossessed? Everyone is telling me different stories. I've heard I only had to have full coverage the first 3 months I had the car. There's no way I can afford to keep this car if I have to have full coverage insurance on it as well. Someone please help me! I don't know if I should give up my car and save for a beater car because my insurance will be so high, or if I should try to keep the car and get liability insurance hoping Toyota doesn't find out?