can you tell me how to take care of anything I have to pay at the DMV?
You can pay any fee in person at a DMV office with a certified check, personal check or money order, payable to “Commissioner of Motor Vehicles.”.
What is the penalty for letting my insurance lapse for 90 days?
An insurance lapse of 90 days will result in a $900 fine. Again, you would have the option to pay the penalty and keep your plates or surrender them and serve a 90 day registration suspension.