Can anyone help me regarding a huge fine for driving without insurance.?

Man, Im screwed. A few years ago I let my insurance lapse on my vehichle and didnt hand the license plates in. Failure to do so means an instant 150 dollar fine for the first month and 7$ a day afterwards. Ok, I was being a complete jack at that time in my life and figured I would deal with it when the time comes. Well, its that time. I finally got my license back and went to buy a cheap used car. The dealer told me he cant get me plates for it cause I have a violation due to a fine for driving uninsured. The fine is off the charts, $4,455.00. Has anyone ever gotten the MVA to reduce this fee or waive it. I havent tried yet. They offer payment plans at 20% down and the rest must be paid within 2 years. I dont want to do anything illegal per say but just wanted to know if anyone has any ideas. I know, im a jackalope for letting this happen. anyone, let me know