Many insurers will repair a small glass crack or chip without requiring a deductible. If that’s the case, get the repairs completed immediately before the crack grows. If your insurance provider requires you to pay a deductible for windshield repairs, compare the cost of the repair with your deductible. Many drivers have deductibles higher than the average cost of repairing or replacing a windshield. You could save money by paying for the repair out of your own pocket.