Ask most insurance companies or their agents about windshield repair and they'll tell you they will waive your deductible. Dig deeper and ask about C.L.U.E. or other questions about how it will affect your rates, and you get the full story-- maybe.

WAQD, Moline, IL recently posted Frequently Asked Questions about auto insurance. A link is below. Of interest:

Q. Can the company refuse to renew my policy for claim frequency?

A. Yes, even for one claim. The dollar amount of the claim is irrelevant.

While I don't believe an insurance company would cancel someone for a simple windshield repair, I do know that they can count it against you if you have other claims or incidents. Case in point, a company we do few repairs for states on their website that they waive deductibles for windshield repair, yet months after the windshield repair has been performed and paid for by the insurance company, the individual skids on ice causing an accident. The individual is then cancelled, due to them having 2 claims in a year. Yes, this has happened here in Oklahoma City, according to information I have been told.

On another incident I have been told by an insurance agent that if the insurance company sees a trend of small claims like windshield repair being filed, they will conclude that the vehicle is at a higher risk. That said, there would be a rate increase.
Q. I contacted my insurance company about a loss to determine if it was covered under my policy. I never collected a penny from the insurer. Can they record this as a claim?
A. Yes, all claims made are considered part of the consumer's claim experience.
I have heard of an agent who when asked by his insured, if they should file a claim, told them to pay it out of pocket. He then filed the information as a claim.The Naplesnews, Naples, Florida; Robert Bruss, reported, October 15, 2006, the following. "If you can afford to pay small losses yourself, perhaps to replace a cracked auto windshield or your tree falling on a neighbor's property, the insurance company saves money and you avoid the risk of a higher premium or cancelled insurance".
I recommend now that if you need a windshield repair, don't contact your insurance. Pay for it out of pocket. CBS has reported that by merely asking your insurance agent or company you risk a rate increase. Likewise if you need any auto glass replacement, call a few glass shops to determine if the cost is below your deductible. By keeping your insurance totally out of the picture, they can't file any report on your record or with C.L.U.E., which can cause you to have a rate increase. Remember claims filed with C.L.U.E., will remain on your record at least 3 years, regardless of who is insuring you.