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 . u5 d# V9 a/ H6 B8 Z) kI 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 .7 R8 g( V4 b) \6 @) G s2 j/ u