I'd have to agree on the insurance answer. The difference from having a 500 dollar deductible to have a 100 dollar (or 0 dollar, also known as "FULL deductible) is usually anywhere from like 20 to 40 bucks more spread out over a year or 6 months, depending what kind of policy you have and how many vehicles.
On my motorcycle quote that I gave myself the difference from a 500 dollar deductible to a 100 dollar deductible on COMPREHENSIVE(fire, theft, vandalism & glass breakage) is 21 dollars every year. That's a dollar seventy five difference every month. So if you're really worried about getting your bike stolen, just loower your deductible and hope for the best. With a lower deductible you obviously don't have to worry about coming out of pocket a whole lot of money and since it's a comp claim, it doesn't hurt your insurance rates.
