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 . 4 Z' I) R' X* II had accident last year , after fixed the car , my insurance went to $600/year more to renew with the same company , and that was how i deal with it . ' \& t$ d, D2 s: z5 G2 q3 v* u$ g2 g2 n