i could pay for the lower unit, but that is not why i pay for my insurance. it just makes my blood boil to not have this paid for. with my deductible all it is they have to pay is 8 freaking 92. come on! like i said. ive never filed a claim or even had a ticket in over 10 years! insurance is just safe to have especially if you have any others in your boat. you never know what the smell of money could do to a "friend" if you had a boating accident.