I think a lot of it depends on your claim history and type of claim. I had to have my roof replaced and two cars repaired because of hail damage last year, all on the same policy total of $8-$10k claim I think it was, and my rate did not change. I also got the cars fixed for about $600 less then the insurance company's recommended repair place and because the roofer made a mistake and put the wrong color shingles on my house about 2k less then bottom estimate and 6k less then the high estimate on the roof. And my wife likes these shingles better ... go figure.