I've been car-light since last January. I get free city bus transportation for being a college student. I also ride the bike when ever possible, though I have to admit to riding in the GF's car when we need to go somewhere. The insurance on my truck expired a few months ago. I haven't been overly concerned about renewing it. I'm not working at the moment, and that probably affects my car-lightness.
Hoping to move to Ft. Collins CO for grad school in fall of 2009. Very bike friendly city -- I might do a total car-free then.