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.