Keep car insurance payout?

So my car was scratched up during Hurricane Sandy, it didnt get hit by a tree, just stuff flying all over the place. So I called my car insurance like a good fellow and told them. I didnt even plan on going through insurance. I went and got my car independently assessed and the repair cost was $1000. A cheaper option was to just buff the paint (thus only showing the few deep scratches there are) and this cost about $200. I was considering both options,, but honestly I was leaning towards the cheaper alternative. Got my car assessed by my car insurance and they left me a check for $3200. The insurance guy didnt even take time to explain what I am to do with the check. Should I deposit it and then have my car fixed by my mechanic or go to a place that they (insurance people) recommend. Can I keep my insurance payout and have my car fixed anytime? What about the difference? I m not looking to make a quick buck, I didnt even plan on using insurance. But I dont want to be stupid and not have my car fixed either or throw away a windfall. I own my car, though I do make payments on it. I have 2.5 years left till I pay it off completely (loan of 5 years). What do I do next? Please help.

BEST ANSWER: Try this site where you can compare quotes:insuranceforcheap.info

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