^^^ I'm definitely on your and the OP's side of the risk/payoff tradeoff
I wish I could have the savings the OP stated by going to a 2K deductible. I'd do it in a flash. Mine is at 1k and I think I save around $400 a year over a $500 deductible.
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2010 Platinum Graphite 370z Roadster:Touring/Sport
2013 Subaru BRZ Limited
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