Depending on the state your insurance is for... they may offer a $0 deductable. NYS (where my car is titled) has a $0 deductable glass coverage that comes with your comprehensive. I'm not an insurance guru but I know if I had any glass on my car damaged it would be replaced for free. I'm assuming this is because NYS requires insurance companies to have the glass coverage.

A buddy of mine in WA does not have glass coverage. I guess what I am trying to say is check your policy information.