You think they care about you? All they care about is how much they're going to have to pay. Like someone else said, you're much less likely to hurt the other guy if you're on a bike. The exception is the stupid-fast bikes that will go through a school bus if you want to.
You can probably find a used bike and insure it for the year for the cost of three or four months worth of bus passes. And at 40-50 MPG you won't be putting much into the tank either.