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 . ! ]8 `4 v9 X" b; D8 ?$ {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 . $ T2 k% [7 ?# a8 G T. |" p P' q' y5 E% m' S$ f4 _# M