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Its going to be $300 plus to paint match the fender on a nearly 20 year old truck. I would buy a replacement fender and have someone paint it. then just install yourself. You may be able to get a fender and paint for under 1000 but it will be close.
I don't think it will save much compared to the deductible though. Have you called to ask what the difference is to have just a $500 deductible? It didn't save me much at all in premiums so I went with that. It helped when a lady hit me and I was found not at fault but still had to pay the deductible until the investigation was done.
-99 F250, 4X4, 6.0 trans cooler, 08 mirrors, 05 grill, AIS Intake, lvl kit, JW Vbody, cncfab hpop lines, WW2.
04 Excursion Modified, 04 F350 Modified, 06 F350 Modified
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"Its like me getting five 5 gallon bucks and throwing regular, mid, premium, #2 diesel and offroad diesel and then shooting a roman candle at each one to show which ones burns better."