What price range should I anticipate to pay for a Front Bumper repair on a 2002 Lincoln navigator? I did not have an aftermarket bumper, just the regular manufactured one. My car was hit and the person got away, but cracked the bumper. The fog light is still intact and doesn't look to have any damage, but it is hanging behind the bumper now. I just want to start to plan this financially. Not sure if I should go through insurance or just pay for it. Don't want my rates to go up on me.