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I have a $1000 deductible for collision. I used to have a $250 deductible for comprehensive because if I looked at the difference in cost between that and the $1000 deductible, it wasn't enough savings to warrant it. I then switched to a $100 deductible for comprehensive because of how long it would take for the difference in premium to add up to $150, and the likelihood that I'd need a windshield before that happened.

I recently needed a windshield for a Tesla Model 3, which also needs the camera recalibrated. The insurance company approved Tesla's bid. Tesla had a third party come in on a particular day to replace the windshield with Tesla glass, after which a Tesla technician takes over. For some reason, the final price was slightly lower than the check I got from the insurance company.

I've had windshields damaged in the past, and probably should have changed windshields in other cases when I never did. Windshields can get many chips the size of a pin head that can distort things or interfere with driving, and windshield companies say to replace the windshield when that happens.

It pays to have a slightly higher premium for comprehensive than to drive along with a cracked or damaged windshield in order to save $1000.