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 . / F4 c: m( R6 a) Y7 j! tI 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 .! S% N7 u' w% {; L2 Y7 r# r