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I've had 3 windshield replacements and 1 chip repaired in the last 15 years. It's so bad that my windshield deductible is now $500! Just this past January, I had to pay for yet another cracked windshield (on my Matrix) out of my own pocket. It cost $625 taxes in. Cheaper than going through the insurance considering the increase in premium for the next 3 years - and another black mark in my file!

In Quebec, the insurance company will pay 100% for chip repairs. Changing windshields means you have to pay the deductible.
 
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