Last night, someone back into my truck and took off, it screwed up the front bumper, needs a new one. Im not sure if i should go through insurance or not. I can pretty much get a regular noma bumper free, but i want the envoy bumper, so depending on how Allstate does it, i was gonna have a shop write up the quote for regualr, and just pay the difference. We have a 250 deductable.. but is it worth it to go through insurance? How much will it raise my rates?