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QShould I call State Farm? What repair should I get done?

My wife backed into and scraped our car against a basketball post. We've got some scrapes on the rear bumper and rear left quarter panel.

I got two estimates from one place. It would be $450 to buff the quarter panel (leaving a couple deeper scratches) and repair / paint the bumper. Or $1000 to repaint the quarter panel (new pinstripe) and do the bumper.

The car has a couple of scratches elsewhere, so it is not perfect. It is 6 years old.

Two part question: Should I call State Farm? I have a $250 deductable. Not sure how making a claim would affect my rates. It would save money at least initially. Should I go for the full $1000 repair? I'm thinking that if we go the insurance route I'd get the full repair. I'm not sure how the increase in rates is calculated anyway.

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