The first thing you want to do is call the police. They will let you know what their involvement level will be. They may have you fill out a report. Or, they may not care you hit a deer. After that, you will want to report this to your insurance company - even if there is nothing they do to help you. In general, insurance rates do not go up unless your insurance company pays a claim. Reporting the accident will protect your insurance company's financial interests. Beyond that, to keep your car insurance premiums low, you may want to consider not carrying comprehensive and collision coverage - if your vehicle's value does not warrant it.

We recommend that you buy as much insurance as you can afford.