Many damaged windshields can be repaired rather than replaced, retaining the original factory bond and saving from unnecessary time and expense. Most insurance providers will waive your deductible for a rock chip or crack that can be covered by a dollar bill, as long as you carry comprehensive insurance. Also terrific news, utilizing this does not directly affect your rates! They prefer paying for a repair than a new windshield, since many offer little to no deductible on glass replacement as well! If you need advice on whether glass coverage would be advantageous considering your history of expenses, I will be happy to help with an honest opinion.