Had a windshield replaced early this year. My State Farm ins. covered 100% and had Safe-Lite come out to my house and change it it my garage. The total was around $800 for the glass because of tint trim and the defrost-heating element, but not having had to pay $0.01 was great and it didnt affect my rate at all with the claim. Oh, this was on my WRX, not my VX, but still worthy to know perhaps.
In this case, you shoudl get your own glass and do it. The deductible isnt worth it. And note to yourself.... dont keep valuables in the car anymore.
Gary Noonan
'01 S/C VX / '18 Forester XT