Sorry to hear this! that does suck, I've had it happen to me too- it really shouldn't make your rates go up that much, a barely noticeable amount and paying $250 is better than $507! couldn't have happened to your "old" car, huh? Nothing beats my ex's story though- we went out and got him a new truck, cause his old truck was major POS and was about to fall apart... what happens 2 days after he gets it? he goes deer hunting.... with the truck! over $2000 worth of damage-only him