I found some more information on insurance claims, hope this will help you to make your decision.
What might happen to your insurance rate if you’re in a fender-bender?
Using the same driver and car,
online auto insurance quotes were obtained to show how an accident – an at-fault and a not-at-fault – might affect your quotes.
Calgary
• $774 with a clean driving record
• $774 with 1 not-at-fault ticket (You were hit from behind)
• $2070 with 1 at-fault ticket (You struck an object or vehicle)
Toronto
• $1191 with a clean driving record
• $1191 with 1 not-at-fault ticket (You were hit from behind)
• $2004 with 1 at-fault ticket (You struck an object or vehicle)
Halifax
• $682 with a clean driving record
• $682 with 1 not-at-fault ticket (You were hit from behind)
• $1781 with 1 at-fault ticket (You struck an object or vehicle)
As you can see, insurance can go up a lot if you claim minor incident. report it could cost you a lot in the long run.
Make it a long weekend NOT to remember - Yahoo! Finance