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Regarding the OP having a $1,000 deductible:
FYI....a few years ago, after being "chastised" by a buddy for carrying a $250 deductible on all of my vehicles (he said I was spending too much for the low deductible) I contact my insurance company to price out higher deductibles.
I was surprised to learn that the premium difference between a $250 , $500 and a $1,000 deductible was so small (and very affordable) that it wasn't worth the savings to raise my deductible.
Others may find different results, but I suggest some research could be interesting.
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98' Boxster
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