You may be in for a pleasant surprise ! often paying Yourself won't cost You any more than what Your Insurance Company would Deduct anyway!
I recently found out that My Insurance Company would only sell Glass Cooverage with a $300 . Deductible . Then I found an Auto Glass Repair Shop who charges a flat rate of $100 to install any Windshield Plus the Cost of the Glass. Well The Glass or My Car is $140 so for $240 I get the same Repair as from the Insurance Companyn but I save $60 and there is No Insurance Premium to pay Year after Year!