How claim collision vs. pay out

So recently I was in a car accident (myself and a guardrail), and I'm now in the position of having to deal with the insurance company. I spoke to them and opened up claim, but I'm having trouble determining whether I want to pay out of pocket for the repairs or whether I want to pay for my deductible and ask for the rest from them. The front of the car is pretty banged up (bumpers came all the way off) but the airbags didn't deploy, the windshield didn't crack, and I walked away unscathed.
Does anyone have a good understanding of how my premiums might be affected? I guess the specific questions I have at this point (an insurance adjuster is about to assess the damages to the car and give me a decision of whether its reparable or not):
1) Are my rates going to go up regardless of what I choose to do (I figure they will)?
2) Is there any sort of way to reasonably guess how I they might go in increasing the premium?
The car itself is blue booked at a little above 7000. Supposing they only paid out 6000 and the car was totaled, and I put that money towards a new car, how much could I reasonably expect to be paying extra? (Even if they increased my rates by $100 per month it would take 5 years to pay that 6000 back, plus I'd be spending future money as opposed to money I could save now.
Thats all I have right now, but I'm still somewhat in shock as this happened at 3 am and I still haven't had much sleep. I'll edit back with more info/questions if needed.
If it makes any difference the cop charged me with failure to maintain lane as opposed to reckless driving, as it was due to an animal jumping out that I ended up hitting the guardrail.

The front of the car is pretty banged up (bumpers came all the way off) but the airbags didn't deploy
I was rear-ended by another driver going less than 5 mph and had a few minor scratches and dents. The repair costs was $1,000 and my vehicle is only worth $3,000 at the most. I would imagine your repairs would cost much more.
Are my rates going to go up regardless of what I choose to do (I figure they will)?
It's very possible, since you have already opened up a claim, you will have an at fault accident on your record regardless if you decide to pay for it yourself or not. I believe it's standard procedure for any claims reported to insurance companies to go on the insureds record regardless if the insurer pays out anything. Also, this was reported to the police so it will show up on your MVR and CLUE report.

I had heard before that if the cops make a report (which was the case) you need to report to the insurance company anyways or it can be considered fraud.
I looked up with a competitor's online estimator tool and it looks like my rates will go up, though the difference in how much they go up based on if I choose to take the money or not is only $10 per month, unless the company I am with has a significantly different pricing scheme, it looks like that so long as they pay at or even slightly below the blue book value I should be covered completely.
Any word on how accurate those online pricing tools are?

Any word on how accurate those online pricing tools are?
For any quote, online or offline, make sure they pull your records (MVR, CLUE and credit). The quotes I've done online myself usually do this automatically. If they pull an accident, ticket or claim that you forgot about or didn't know about it can change the rate quite a bit. Same with poor credit or no credit.

It did use my social security number, so hopefully that automatically links credit? As for the accidents I made sure to list them in the quote-builder itself.
Are there any rules of thumb about when its worth it financially to just say scrap the car vs. trying to get it repaired?
If the insurance company deems it financially totaled (which is when the cost of repair is >75% of the car I believe) I'm thinking it might make sense to go ahead and try and buy a used car with the payment as opposed to trying to repair the car. I've been told cars don't really drive the same after significant accidents and on top of this I don't think I'd be able to easily sell the car for a significant amount in the future. Anything else I put into the car would just become essentially a sunk cost.
Does that seem that all sound reasonable?

It did use my social security number, so hopefully that automatically links credit?
Yeah that is usually the way it works in the systems I use as long as the name and address are put in correctly.
Are there any rules of thumb about when its worth it financially to just say scrap the car vs. trying to get it repaired?
I would start looking at used cars in the range of what you believe your vehicle is worth if totaled. Most people do believe their vehicle is worth much more than it actually is though. From what I understand a lot of insurance companies will search for vehicles of similar year, make, model and condition (miles, dents, etc) in your area to get an idea of what the vehicle is worth. That may or may not be what KBB says it's worth.
Does that seem that all sound reasonable?
I'm not a mechanic or expert on those matters. If you have a mechanic you trust it would be best to ask them.

Not true at all. Just because an officer makes a report, it doesn't obligate you to make a claim. The decision to make a claim is yours (or the other driver if they decide to pursue liability). The only fraud would be denying you've had an accident.

Dunno about rates but lots of times (i'd say like 70-80%) there is a chance there would be a supplement on hidden damages, more labor, parts, etc., which could be pretty expensive.
If you don't mind, could you tell me the year, make, and model of your vehicle? I don't handle total loss but I do handle APD and I have an idea of the value of vehicles based on normal age, expected mileage, condition, etc. Also, Insurance companies do NOT NOT NOT use Kelley Blue Book to determine the value of totaled cars. They use software called CCC to scope similar condition vehicles of similar year and the same make and model in your geographical location to determine the actual cash value on your car.

2004 honda crv was what I had.

given the scope of the accident, i would let insurance cover it, unless you have a few thousand bucks to pay for repairs.