Hi guys, hope all the lao jiao can help newbie.... Last yr kana hit n run....Claim AIG 3k with myself 500 cash

. Heard from a friend if this yr switch insurance company sure will be cheaper then AIG. But me got some doubts....

1. If I had claim such a big amt before, can I juz "jump ship" to other insurance company without paying anything? Is this allow?
2. Let's say if I stick with AIG, me sure no NCD.... So my last yr preimum 2.3k then this yr confirm will go rise rite?
Extra info....I'm 27yrs pass license 3 yrs ago..... Hope for advise..... Tanks a million in advance......
