If you make a claim, chances are you're ins. will go up...if you have comprehensive, it should cover it. All companies are different...I just had a windshield in the saturn replaced for $170 (w/o ins. help). I can't see you spending more than $250 out of pocket to have it replaced w/o touching your insurance...I had a stone chip repaired in it last year through the ins. & the premium did go up...

I could've lived w/ the chip
Try
www.89glass.com
but local glass shops should be able to do better...check into that before talking to insurance