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Yeah you're going to pay a lot more out of pocket now than you will over 3 years of insurance increases. Maybe your insurance goes up $100/mo, (which would be like 100% of mine) but I can't imagine it going up more than that... That's only $3600. You're going to pay 8-10k for this EASY. ALL DAY! $1000+/ PER HEADLIGHT alone.
Otherwise you're going to cut corners and get a "cheap" repair. It'll never be the same.
Just shop around for insurance in another year or two...
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2016 X3 35i M-Sport
2019 440i Coupe M-Sport - Retired
2018 330i Sedan M-Sport - Retired
2015 428i Gran Coupe M-Sport - Retired
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