Betty:
You are not completely right. I have MY bike insured, with the same insurance company that insures my car. Bicycles can be added on to existing auto or homeowners insurance policies, even renter's insurance will cover bicycles. Most cyclists are not aware of this, perhaps if more knew, they would have their bikes insured.
Adding a bike to your insurance policy saves the trouble of registering your bike. Most communities gave up bike registrations many years ago. The insurance company has the exact same information on file: Make , Model , Color and Serial Number of the bike, with the owner's name and address.

I ride a bicycle about forty miles a week. I drive too. I used to ride more, but I'm getting older. Back in the day I could ride faster than the thirty MPH speed limit, but the speeders make the effort worth nothing.
I know some bicyclists have a more extreme position than I do. I watch my rear view mirror, and I judge each passing car on a case by case basis. I almost always pull over and slow or stop to let large trucks go by. Trucks are completely different than personal automobiles. While in many cases, an individual driving a car could make the same trip on a bike, this does not hold true for trucks. It would be hard for a truck driver to carry 40,000 pounds of produce, or lumber, or furniture, or anything, in a trailer behind a bicycle. I say this because many cyclists say that car trips are unnecessary and a bicycle could do the job. Not true with trucks.
Trucks are also a lot wider than a car, about three feet wider. In terms of the three-foot-passing law; if the cars are passing three feet from your bike, then the next large truck is going to sideswipe you. (Assuming there is traffic coming the other way and they can't cross the double yellow.)
My advice: Get a rear-view mirror for your bike and move over to let trucks go by.