If you use insurance to fix your car because you hit a tree and drop the collision will it increase your rates?

I assume you are saying you intend to use your your collision coverage to repair you car and then drop the coverage after the work is done? Yes and no, yes it will reduce your rates because you are removing coverage which will obviously lower your rates. No, it may not lower your rates because you are putting in a claim which will effect all coverage not just collision. If you hit the tree due to natuaral elements ie black ice, you can say nature is more than 50% at fault and therefor not have any surcharges. Ask your agent