Bad Insurance Surprise: I NEED ADVICE?

So, here's the situation.





My vehicle is a 2001 toyota tacoma prerunner v6 pickup.





I am 20 years old and I am currently on my family's insurance plan. Though my primary vehicle is my truck, someone at the company helped us work it out, so that according to the books, my primary mode of transport would be an old dodge stratus car.





I was paying a pretty low rate for a while, and then I got in an accident (in the truck) that realistically wasn't my fault, but from an insurance point of view it was... so my insurance rate jumped up to 200 something and then it fell back down to 187 monthly after completing a good driver course. This was a great rate for me because I am a full time college student who doesn't have a fat paycheck.





Recently the stratus that the insurance company thought I was driving became non-operable, so they now know that my primary vehicle is my tacoma. The bad thing is, now my monthly rate skyrocketed to over 360 dollars... which is more than half of my paycheck.





This is a bad situation for me, and I would love any advice that you can give. Can I expect to find a lower rate if I shop around at other agencies, or am I S.O.L.?Bad Insurance Surprise: I NEED ADVICE?
Beware of ';teaser'; rates. Often, some companies will tease you with a low rate and then raise them dramatically later. I prefer to stay with the companies who have a physical presence in my immediate area. You cannot go wrong with Biggies such as: Allstate, State Farm or American FamilyBad Insurance Surprise: I NEED ADVICE?
You may be able to find a cheaper rate, yet you have to be careful on the low grade companies that are out there.





Your situation is that your a 20 year old male, with an 'at fault' accident on your record. Your rate is going to be higher than the 25-30 year old anywhere you go.
It costs money to drive. Sometimes, a lot of money. You are over 18 and can shop around for a better rate.