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 D8 L! ^+ V" P& {I 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 . & \5 s) z0 ^( ^7 H3 c' j+ X/ |* r0 v) A/ @0 a