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 . 0 L7 K9 X. e* F4 z$ f- C1 K( sI 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 . , }, e8 A& O. t, f) z) ?, l( e1 ?9 D ^* P9 y( a