<prompt> Human: Like the title said, my insurance got hiked to 8000 a year. This is just the most basic car insurance I can get. I just turned 22 years old, have an decent job that pays 35h. I work standard 7-3 Monday to Friday shifts and usually can log as many hours As I want, although lately with the economy Ive been limited to 40hweek. The thought of 700month just to be on the road has me sick to my stomach. Ive shopped around and thats the cheapest anyone can offer. The reason is mainly due to two collisions back in 2014, and one in early 2015. I live in midnorthern Canada, these were all in the winter months during very bad weather. The insurance companies do not care. Ive looked at my options and selling my car for a year or two seems best. My concern is if I decide to sell my car and go ride less for a year or two, will an 8000 premium be waiting for me when I return to driving a few years down the road? Im hoping the premium would improve to the point of an affordable rate before returning to drive. Are there any other options I can explore?  <response>: 3 collisions in 2 years? Sounds like you deserve the cost.If you arnt comfortable driving in the winter, dont drive. No, it is based on recent years of performance, ie. like others have mentioned you would need a few more years of a clean driving record to START to bring it back down.You should be contacting the companies and asking them these questions. How many years of a clean driving record do I need for it to come down? How fast will it come down? Are there other options like taking a drivers ed course to lower the premiums etc. 