<prompt> Human: Hi PF,I was in a minor fender bender earlier this week, both cars drive-able and not even any damage to the other car.Ive got a couple options - i could repair the few parts on mine bumper, fender, headlight, and hood out of pocket and get them painted by a shop for about 2000 totalORI could just file an insurance claim; Ive gotten a few quotes for 3400 and 4300 and just pay the 1000 deductible and take the rate hike.Main reason I ask is Im 22 just out of college and am in the bracket to get hit the hardest for risky drivers given any accidents tickets, however my driving record is currently clean.Is this worth filing a claim for to get it done right?Thanks!!tl;dr: minor accident 4000 damage, 1000 deductible. 22, M, CO, USAA insurance. Vehicle: Subaru WRX STi. Current premium is 125 mo with clean record, full coverage.  <response>: Being a WRX owner myself... I would want to make sure mine is repaired properly - regardless of what damage there appears to be or not be. Personally Id pay the deductible if I could afford it and get it done right.But I dont think anyone could tell you how much your insurance may or may not go up. That shit is harder to figure out than advanced calculus. 