IMO glass does not affect your rates! You should have filed a claim.Update on my cracked glass above the left FWD. When I took it to the SC, they brought out a platform and we carefully inspected the cracking. Sure enough, there was an impact point where a big chip was missing. I must have taken a rock at just the right angle. They fixed it in an hour and did a really nice job. $1280 out of my pocket. I won't file insurance for this, not worth the 3 years of increased rates across my 3 vehicles.