I hate to break this to you but the MINIMUM fine for driving without insurance in Ontario is $5,000,
You may want to take a look at the link below which leads to a brochure that is put out by the Financial Services Commission of Ontario (the body that regulates insurance companies in Ontario)
that explains this,
however here`s the relevant part:
"Fines for vehicle owners,
and drivers who do not carry valid automobile insurance can range from $5,000 to $50,000."
If you didn`t actually have insurance on that date then I`m afraid you don`t have much of a defense.
The best you can do is throw yourself at the mercy of the court assuming your record is clean,
however this is no guarantee.
Also most insurers see this conviction as a major to serious conviction,
therefore the surcharge for this conviction ranges from 15% to 50%,
plus this conviction may make you ineligible for all the standard companies,
and you will be forced to go to the non-standard companies or the Facility Association (the insurer of last resort in Ontario),
which means you can expect your rates to jump 100-300% in total depending on what your record was like prior to that conviction.
As for the driving without a valid permit,
what exactly do you think this charge can be reduced to?