NO NO NO and MORE NO!!!
Honestly.....the only time your rates will go up is if you CLAIM an accident, and even then it has to be at fault/partially at fault. I'm assuming most here go through brokers? Talk to them. This is their job. Brokers are not the insurer, their job is to advise and manage your policy.
If you call your insurance company and tell them of an accident that they don't pay out on and your rates go up, you are with the wrong insurer.
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+1 - You're going to be dinged regardless, as they go by reported accidents when they pull your abstract. Might as well claim it since you're going to pay for it.
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Even more no! Your Abstract (Drivers Abstract) has nothing to do with insurance. An accident is not going to show up here. Your claims experience letter would show any claims and those are generated by the insurers.
Reporting an accident to the police does not mean they are going to pick up the phone and call your insurance company. The only reason you need to report a collision to the police is if the damages are over $1k or someone was injured. Yes, you need their sticker for the repair shop to release your repaired vehicle but they don't care where the money is coming from.
Insurance companies are not the complete evil regimes most seem to think they are.