Lost cause. I would talk to your insurance company about deductible vs. premium cost..
I have full coverage on a couple of cars with a total value of around 50k.. The difference in price between a $500 deductible and a $50 deductible was less than $5.00 a month... A lot of folks get wrapped up in trying to get premiums as LOW as possible and don't realize that in certain circumstances you are giving up quite a bit of coverage for a teeny bump in premium..
If this is the case for you Id just bump up the insurance and wait a while until you uh.. *Ahem* get a chip in your windshield a month or so down the road and get it handled for cheap.