I had a crack on my windshield for years, and two cracks on my house windows. I did not fix them not because I cannot afford it but because they did not bother me that much and it took time to find a contractor to do the work.

Won't your car insurance repair the windshield crack for free?

Deductibles are not free on most policies, and not everyone carries comprehensive insurance on their vehicles, especially if they’re worth less than $6000 or so.

Windshield coverage on an auto insurance plan generally has no deductible. Chips, cracks and full replacement has always been covered for me with no additional cost beyond the $5 or $10 extra a month to have it on my plan. They negotiated and paid in full for a windshield replacement technician to drive 200 miles round trip to my location a few months ago and do a several hour replacement. Definitely worthwhile in certain areas prone to frequent windshield damage.

Windshield repairs are usually free, with insurance paying the full amount, if you use a provider of their choice (in emergency situations, any provider).

Repair saves them a lot of money versus replacement.