Y'ever thought about getting a beat up old Toyota pickup? It'd be useful for various things and you could drive it to work. Of course, you'd have extra insurance to deal with, but where I live anyway, it's not that much extra and it might be worth it if it gave you peace of mind.
Plus, if it's in not horrible shape, if someone does hit it, if you can grab them in time to get their insurance info, you might get a few hundred to play with while you admire the new dent on your beater.
May God forgive me, but I've done that twice in the last few years. Work vans, both times, that got hit by someone, not my fault. The damage was not major either time but I got some extra $$ for my pain and suffering. The way I look at it, I've spent around ten to 15 grand on ins. in the last 20 years and have made one claim on my policy, for $1200 when I lightly rear ended a Honda in stop and go freeway traffic. The ins. industry has profited from my safe driving. I got a little back. I feel just awful about it.
