<prompt> Human: So my car insurance went up over 400 dollars a month from a minor accident which was claimed on my insurance for 3000 dollars it was just a broken rear bumper but it was a nicer car so it was costly.So over six years, the amount of time that they said it would affect my record, that will cost me 28,000. So why would anyone ever just not pay outright for the expense of the damages of the vehicle? Thats like a 50 annual interest rate on a 3000 dollar loan, which you cannot pay off early. In many scenarios it would be better to buy the person a brand new car than it would be for your insurance to fix even a minor collision.I could have put that on a credit card and taken a couple years to pay and still have paid less than what the insurance companies are offering.Hell, I could have found a loan shark to offer me a better deal.Should I just go and apply for as many credit cards credit lines as possible so I can always pay the damages in case I get into a similar situation?  <response>: 400 a month?You need a new insurance company. 