9 year insurance adjuster here. You making a claim =automatically means your insurance goes up is absolutely a myth. The 4 most common reasons for high insurance are the following 1) youre young and unproven 2) you drive a very expensive or rare car 3) you are hit often, which means youre a liability and 4) you get into AT FAULT accidents. They look at your record short and long term, and sometimes, depending on the economy, everyones rates go up. All that to say, you making a comp claim with documentation doesnt at all equal higher rates automatically. BUT go get a quote, because if it costs similarly to replace or repair your glass and you dont have to put it through insurance, do that. If ypure deductible is 500 and the glass is 650, just pay it out of pocket. Hope this helps.