Check first to see if your insurance has this type of coverage or better yet glass coverage....which is - 0 - deductible. I can get that coverage in NY bit not in CA for some reason.
I have a $100 insurance deductible for comprehensive claims. Cracked windshields only cost $100 to replace and I can specify OEM glass. Insurance rates are unaffected. Some places even pay for the deductible up to $100. Sure my insurance premium is slightly higher than if I had a $500 deductible but I figure in 4-5 years (breakeven point), I'm bound to make a comprehensive claim.
I'm not telling you to purposely crack your windshield though![]()