Need the hive mind to help me out here.

I live in San Francisco and car insurance rates are high as shit.  I'm paying $1300/yr for full coverage of a 2002 Intrepid.

Well, I backed out of my garage yesterday and ended up denting the door of a truck that was double parked on the other side of the street.  The door doesn't look bad, but the quote is $1900.

So the question is, do I go through my insurance or pay cash?  I'm not getting my own car fixed (the bumper is scuffed, but it's hardly noticeable).

Option 1: Pay cash
- rates don't go up
- I'm out $2000

Option 2: Use Insurance
- pay nothing out of pocket
- rates potentially go up a LOT

Anyone had any experience with this type of decision?

RF