Should you file a claim with your insurance?

Answer 1

It all depends. I personally only file a claim if it's going to cost significantly more than my deductible, is worth the effort to fix it, and I'm ready for my insurance premium to increase.

If you are careful about how many claims you make and how often, you should be ok. Also, a comprehensive claim on your auto is judged less harshly than a collision claim. Accidents are the biggest increase of premium usually. If it's a towing claim, or a small (under 1000) comprehensive it's not too bad. With homes, the risk is higher to be cancelled at renewal if you put in a claim. Make sure it's worth the increase of premium for the next 5 years. That's how long a claim stays on a CLUE report.

Good Luck! Hope that helped a little!!! :)