I doubt that it will affect your insurance rates as they probably won't check. The downside will be you won't be able to change insurance companies to your advantage if you wanted to. Just pay it. Lord knows I've paid way more than my share.

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MBlovr
'59 180 Dad's original
'59 180 Dad's 2nd one
'67 250SE Dad's last one
'59 220 SE My first one
'62 220SE Coupe second one
'89 190E 2.6 5spd third one
'06 E350 4matic (sold)
'10 E350 4matic