My 6 month old Jeep Grand Cherokee has a 1/8" chip on the passenger side rear door. I think a lawnmower kicked up a rock into the door. There's no dent, just a chip down to the bare metal. I didn't have a chance to get to the dealer to get touch up paint until today, but when I was about to touch it up, I noticed that there might be almost microscopic spots of rust starting to form in the chip. I'm afraid if I cover it up with touch up paint, I might cause a bigger mess down the road. Any advice on how I can fix this before it becomes a problem? I'd appreciate any help I can get.