^^^ 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 2.0L Zetec-
Hatch Nation #42
Going through Rebuild See "The TICK Build Thread" for details (http://www.focusfanatics.com/forum/showthread.php?t=289168&referrerid=62897)