I have full coverage on my car and am paying $400 a year for it. It’s nice and low and I’d like to keep it that way. My wife backed into another car. The guy is allowing us to either pay out of pocket or go through insurance. The cost is $700. I’m worried my policy cost will sky rocket if we go through insurance, what should I do? Can I get in touch with my agent and find out how much my policy will go up or once I contact them and ask them are they going to know I was in an accident and increase the cost regardless if I go through them or not?
If i contact my insurance company, will they increase my rates?
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