I wonder what folks have to pay for insurance that covers the $250 or so for replacing the windshield ?

Here in Houston, I can't afford anything less than $500 deductible, and if you even CALL the insurance co to ask about a potentially filing a claim, that is logged as 'an incident' and your premium goes up.

File a claim (any claim) and your rate goes up to completely cover that claim in 2 years of increased premiums.

(I argee that PPG glass is as good as it gets and $250 will get just about any windshield replaced with OEM or better quality, installed in you driveway or work parking place.)

I have 2 cars now that will get replacements this month--from pitting. All the construction for housing, buildings, and on the highways here keeps the roads covered with sand and fine gravel.