How much will my insurance go up?

I backed out of my driveway and hit my grandmas car leaving a basketball-sized dent. my dad says I have a $500 deductible but what exactly does that mean? should I pay without using my insurance, and approximately how much would my insurance go up if I did decided to inform them? The vehicle was parked.

BEST ANSWER: Try this site where you can compare quotes:COVERAGEFINDER.NET

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https://www.linkedin.com/pulse/tip-cheap-car-insurance-online-india-violet-novak/