If you have glass coveragew on your insurance a Window replacement claim doesn't count against next years premium as a claim. Plus your deductable is probably only $50 or so for a Glass claim (If any deductable at all). If you don't have glass coverage you are looking at $300'ish at a guess, call around to a few glass replacement places and make sure they know you will be paying up front if you don't have the glass cover.