Patti, small things usually don't 'up' your premium, I've found. My car got hit & didn't notice it, in the dark, until the next day, in a parking lot a few years ago, and did quite a bit of damage. I called the company, and they said that anything under $1000 wasn't even considered a claim. And, since I had uninsured motorist, they paid the whole thing. The shop that did the estimate was higher than the shop that fixed it, and I ended up with a little left over.