My reply was not to the OP.
I also said nothing about raising insurance rates. It's getting dinged with a possible Carfax report that can cost you big bucks.
And last I looked low deductibles are not free. Two expensive cars, over the years. I've already saved $1000's.
I'd still be ahead if I had to pay out for a $2000 repair.
Insurance companies make money based on statistics.
Statistically, you are better off insuring yourself. And reserve insurance for major claims and liability, not for door dings.
Oh, and if you change insurance companies, you may also get another hit if you've put in a claim in the last 3 years (doesn't matter how much or who's fault it was).
And if they did raise rates, why would it only apply to 6 months? It could be higher rates for years.
Just my .01 (because in the long term my suggestion is cheaper than yours).
You ASSume everyone will be selling their car and worrying about a carfax report. There is no solid proof it will even show up on a carfax report. Low deductibles on multiple sports cars cost me barely 160 dollars. Insurance companies make money from people like you who pay x amount of money every month and then never file a claim....