<prompt> Human: Hi personalfinance,A few month ago, I got distracted on the road and totaled my Honda Civic 09 by rear ending another vehicle at 40mph. I immediately financed a used Nissan Versa Note 15, switched my coverage to that vehicle, and was paying 90month for full coverage. Now this low premium only lasted for 2 month until my existing term ended. When I renewed it, the accident that I had took into account, and now my monthly charge is 130month. I dont want to be paying these rates for 3 years. Is there anything I could do now to lower the rates for my next insurance renewal?  <response>: I pay over 300 as a 27 year old in a major city driving a 16 Honda with one at-fault accident on record. As politely as possible, consider yourself lucky. 