I turned 25 last January and started with Progressive in February with a liability policy for $40 a month on my late '98 S10 pickup. Was happy about this, as it was about half of what I had been paying with State Farm prior. Then in March, dummy here who can't see so well in a dark driveway bumped my dad's parked Acura while backing up. The dent was minor, but the payout was around $2700 in bodywork. A few months later when it was time for renewal, my premium jumped up to $77. Shopping around and checking with an insurance broker did nothing. Checked again recently with Geico, and they gave me a quote for $86 with same coverage assuming the accident was 1-3 years ago (should I switch this coming February). Despite the fact that I won't pay as much as the bodywork cost, this little driveway bump is costing me.
Does anyone have any ideas on how to bring down insurance costs in a situation like this?