Call 310-Glas (Crystal Glass) and get a quote on what your windshield would be to replace. Then call your agent and find out how much more per year you are paying by having windshield coverage. Most times it makes sense to get the 13d endorsement added to your policy and this means that you don't have windshield coverage. As stated AMI is a good alternative and if you make a claim with AMI it won't effect your record. Insurance companies won't raise your rates if you make glass claims the only thing they will do is force you to increase your deductible if you have numerour glass claims. It is covered under your comprehensive portion of your auto policy and thus it does not effect your liability or collision premiums either. The glass insurance and insurance company are not seperate entities. The only time they are seperate entities is if you elect to take out a glass policy with AMI
http://www.ami.ab.ca You could also find out the price of your windshield at AMI's website. They mandate that all repairs are done at Crystal Glass. Also comprehensive deductibles are typically $250 or $500 so you typically are self insuring the windshield up to these limits anyways so therefore it usually doesn't make sense to have windshield coverage on your auto policy.