Do you have glass coverage for your car?
Insurance companies will buy you a replacement windshield, but you’re going to pay your deductible. Unless your comprehensive deductible is $100 or less than it isn’t going to be worth filing a claim. This is why it is important to ask your agent for a quote with full glass coverage. This coverage will make it so you won’t have to pay your deductible. It will cost you a little more on your policy premium but most likely be worth the coverage.
Most insurance companies will cover the repair of a windshield without paying a deductible. Repair is different from a replace. Repair is when a glass company fills a crack or chip with resin. This is normally much cheaper than a replace but still very important because it can prevent you from having to replace the whole windshield in the future.