last year in July I bought a 2014 Chevy Cruze. I drove it for several months and sometime before thanksgiving I got a door ding. I hadn't even changed the oil for the first time when it happened. I got an estimate to get it repaired and it will cost about 600. my deductible for that type of claim is 500. do I pay the insurance 500 and risk a rate hike or pay out of pocket? what a pain in the ass. there is another place I can get an estimate and it might be cheaper, and if it's less than 500, it would be worth while.
