I'd try having the crack repaired - there are some really good systems to repair cracks and chips.

Using your insurance can result in increased premiums and perhaps your insurance company not renewing your policy, especially if you've already made a claim(s) or have a claim after replacing the windshield. I would save my insurance for a major/expensive event.

Good Luck!
Tom

__________________
America: Land of the Free!

1977 300D: 300,000+ miles

American Honda: Factory Trained Technician & Honor Grad.
Formerly:
Shop Foreman;
Technical Advisor to Am. Honda;
Supervisor of Maintenance largest tree care co. in US for offices in Tex.