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I've also been stopped in the past without current proof of insurance. I had insurance...I just hadn't put the latest piece of paper in my glove box. It was only a week or so out of date and I told the officer that nothing had changed, and he let me go with a warning to slow it down.

I don't understand why insurance isn't automatic. You have to provide proof of insurance when you register your vehicle. If you let your policy lapse, it would be relatively easy for the insurance companies to pass along that information to the state. All they would have to do is cross-reference driver's license numbers with VINs, and an officer could know right away when they run your plate if you're current on your insurance or not, regardless of whether or not you have the piece of paper. The piece of paper is only really useful for giving to another person if you get involved in an accident.