Bent door... and insurance?

[Henrik Danford-Klein <danford@atw.fullfeed.com>]

I backed out my garage the other day, unfortunately with an open door.  
I had an estimnate today of about $700 to repair the door.  $1000 for a 
new door (with new paint job and everything).

I have a $500 deductible for collision, $250 for comprehensive.  I am 
currently paying $350 per year.  I am wondering whether I am better off 
not involving my insurance company.  Couple of questions...

I assume it is the collision deductible that would apply?
Can they raise my rates even if I select to pay it myself, i.e. just 
for asking?

Henrik
'94 Audi 100S
'88 Porsche 911 Carrera