If i contact my insurance company, will they increase my rates? 
Contacting your agent may not necessarily result in increased premium but reporting a claim might . Your agent is very unlikely to know how much your rates may increase if you were to file a claim . Keep this simple rule in mind : The less claims you file through insurance company the better . You are better off paying a small claim out of pocket . Let the insurance company handle your large claims . Even not at faults and comp claims will have some impact on your rates with most companies . 