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Add a deflector to your hood. It will save your hood from paint chips but will also change airflow to greatly reduce the chance of wind screen impact/chips.
Small stone on highway thrown by passing truck made a 2 ft crack in driver's side windshield at 4000 miles. Safelite OEM replacement was $1111 (full glass coverage) and Progressive upped our rates in a month.
Same. I had insurance cover a chip repair (not replacement) 3 years ago. Insurance rose quite a bit, and every time I do a quote from other carriers they note I had a claim in 2022 and thus raise initial quote further. Way more expensive to use insurance in the end to fill chip.