u/LandShell0

I'm a 22 year old guy and I've had 3 totaled cars since October of 2024 with only one of them being my fault. In October of 2024 I totaled my first car, a Toyota that my parents owned and let me drive, in an accident on the way home from work at midnight involving a deer. At the time of my first accident I was on my parents plan and I had accident forgiveness so my rates weren't raised. I then moved out and got on my own plan but they just sectioned me off from my parents plan with all the same rates and policy. My second car was an old Chevy Cavalier, that I bought in cash, that burnt down when it wasn't even running shortly after I got home one night.
The firefighters said it looked like an electrical problem and that it was common for those cars. That happened at the end of June 2025 when I only had the car for a few months. The last car was a ford mustang convertible, that I payed for in cash. My friend totaled it one night when we were out driving. It was late and we were listening to music and she swerved for a deer when it was raining and we went off the road and hit a tree, that was in November of 2025. We were both sober. Only the first crash was my fault and even then I had accident forgiveness. Finally about 2-3 weeks ago I bought a Toyota Camry from the 2000's with low miles on it. Nothing is wrong with it and my insurance was about $180 a month. I just got a call from my insurance today saying that because of my many claims they are raising my rates to $470 a month and that after 3 years it can return to normal. Can I do any about this? Should I shop around? I like my policy but I don't know if I can pay that much right now especially with a new car payment.