Some days you are the windshield...

Windshields! I've had three insurance clients have to replace their automobile windshields in the last two weeks, each over $500 to replace. Some insurers offer a "full glass" option (for a little extra premium) to repair/replace the front windshield at no cost to you, but other insurers just cover this under Comprehensive, and is subject to your comprehensive deductible. Often people have $500 comprehensive deductibles, but you can usually lower this to $100 or $250 for a nominal extra premium/year.  It's worth a look to see if the extra premium makes sense!