insurance question

I hit a another parked vehicle and scraped the paint off his front bumper (he wants to fix his paint chip at the dealer). The individual is asking for 480 dollars and to fix the paint/dent on my car i am being quoted 500 dollars. Ive never been in a accident before so I had a few questions about claiming via auto insurance. If i have a 100 dollar deductible is it better to pay out of pocket? My insurance agent wont tell me how much my policy will increase or if they forgive claims up to a certai dollar amount because its the weekend..