Anyone know whether a windshield replacement is worth doing through insurance? I actually just switched my policy recently and ended up keeping the full glass coverage they quoted me with, so I certainly can get it fully covered. Just wondering if it's worth whatever premium increase I'm likely to see due to the claim.
I'm going through this exact same thing right now.
The insurance company claims that all glass damage is "no-fault" so it should not increase your premiums to make a claim. I'm skeptical though, because they are usually very creative at skirting anti-increase regs through taking away discounts that you would otherwise have qualified for.
Do you need to replace the windshield or just repair? If it's repair, many companies waive the deductible so it is more likely to make sense for you to go through insurance. If you need it replaced, you have to meet the deductible first. If you go through Safelite.com the cost of replacement is around $400 (give or take $100 depending on your car), so compare that to your deductible and figure out how much insurance would write a check for.
Repair, if you pay for it yourself, is around $150 (less if you go to their shop).