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There is a provision you can change with your insurance company so any damage to your vehicle caused by debris from the road will only cost you a $100 deductible. It averages $10.00 more per 6 month, per vehicle. Making a claim for this type of damage is not considered your fault so it will not affect your rates in the future.

What is comprehensive insurance?
Comprehensive insurance is an element of car insurance that pays for damages to your vehicle caused by anything other than a collision, including vandalism, theft and natural disasters. Road hazard flying debris such as a rock is normally covered by your comprehensive side of your policy and is not considered your fault. We recommend lowering only your comprehensive deductible (A.S.A.P.)
Most insurance policies have your comprehensive and collision deductible set at the same rate, usually pretty high $500 to $1000. Almost all insurance companies allow you to lower just your comprehensive deductible to a more manageable rate for around a $10 increase premium per every 6 months, per vehicle. Making a claim for
a rock damaged windshield or any other damage from road hazard does not go against you as a negative mark or point with your insurance company. We recommend a $100.00 comprehensive deductible. All insurance companies are different but they are governed by federal and state laws to protect drivers. Some
companies like Auto Club will only allow you to lower your comp deductible to $250 in California. The slightest road hazard or damage can run over a thousand dollars easily, if you want it repaired properly. Note: This public service notice is geared to save you money in the future. You might be surprised when calling your insurance company that they have in place some provisions to save you money even on this repair or replacement. Please verify with your insurance company directly any claims we have stated in this outline prior to making a claim or lowering your deductible. 

Most important to us:
We don’t want to lose any future business from our customers. Please note that most insurance companies are using the large auto glass providers to handle their claims. We are on those providers network. (Safelite Solutions, Lynx Etc.) You can give them our phone number when making a claim to confirm that we are on the preferred provider list. Hopefully you won’t need our services again but if you do it will be a little easier on the budget.
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