^^^ just ask if it will have an impact on your premium. $5 more a month for 3 years = $180. so you would be paying $680... price it out. If your insurance does go up because of a claim my bet is in the long run it may still be cheaper to pay for your self. Their are 4 Foci at the Tare-a-Part junk yard, might have a good bumper for far less than $500.
2001 ZX3 Zetec - Rebuild "The TICK" (
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2004 ZX5 SVT - Restoration "Code Name Rocket" (http://www.focusfanatics.com/forum/showthread.php?t=722698&referrerid=62897)