Better go through insurance company if it will cost that much ,that is why you need insurance , then find another cheaper insurance INC to renew . 3 Q+ q! `) c3 A! m" }, q( NI had accident last year , after fixed the car , my insurance went to $600/year more to renew with the same company , and that was how i deal with it . , g1 C) ?% h5 E, _0 }. T8 P& E3 k! F+ m. b$ _6 r, `