<prompt> Human: Originally changed from Safeco to Allstate since Safeco increased our rates after an accident not our fault, 2 months ago. They say its because of a surcharge for the accident from 260 to 350. Anyways, after changing to Allstate, everything was fine since we were paying 170 for two cars until 3 days ago when the Credit union sent an email asking us to have collision and comprehensive deductible for our cars. After calling up Allstate, we get a quote of 450 for two cars per month! Called up Safeco agent, if they were willing to have us back but they said it would higher than the allstate quote. Is there any way out of this mess? I cant understand how an accident no fault of ours can affect our rates so badly.Edit: Yes, the uninsured person was ticketed and arrested. I will look into removing this as at fault accident on MVR.Edit: So, I called up Allstate one last time and they quoted me 750month this time. I have decided to file a complaint against them for misguiding me that I was getting a better deal when I changed insurance to them. Meanwhile, I changed insurance to Geico more reasonable at 240month, full coverage which the lein holder wants. Thanks guys, for all the advice.  <response>: Did you look at Gieco? I know their commercials are horrible the same concept for a decade but they were able to offer me half the monthly rate compared to every other company I looked at. 