Beloved Insurance Questions

[jdmSiR]

So i recently got my gdl license last october and unfortunately also my first collision that occurred in novemeber.
I hit a parked car after sliding on black ice.
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Yes i know, many have called me a bad driver, ive got all the offensive remarks about this, but im not going to be a bitch about it so please go ahead and flame me some more if you really feel the need to.

The question i really wanted to be answered though is how much more will i be paying for insurance?
Right now i have no collision and im paying $150 give or take a few dollars.

The facts that you may need to know in this circumstance is that when i hit the parked car it was a 2005-2006 ford focus hatchback (eww not jdm, i know..) and i clipped the front bumper, not causing any damage to any of the mechanical aspects of the car.
Im guessing that it needs a new bumper and a lick of paint on it.

Im also paying monthly for a years duration, so my second question is, will this affect me right away on my next monthly payment, or will it come into affect when the year that i am paying for is over?

Thanks in advance for any replys to this

[88CRXGUY]

We can't give you a quote because we aren't your insurance company but more then likely your rates are going to go up. Your accident won't effect you until when your insurance is renewed for the upcoming year(09). Now when you had your accident if you and the other party didn't go through insurance then you will be fine. If either of you filed through insurance its going to effect you.

[jdmSiR]

yeah the guy filed it through insurance, sorry i should of mentioned it. And i do realize that you are not my insurance company either, i was just wondering if anyone was in the same situation or had been in the same situation.

Thanks for answering the second question though!