[MRM]

And if you live in a glass coverage state it doesn't affect your rates. That means that auto owner has little incentive to care abut the final cost, so an industry of auto glass repair specialists has sprung up in glass coverage states. They do the repairs and bill the insurer directly. You never see the bill, so you don't care whether it was $250 or $2,500. But your insurance has to pay the bill and not raise your rates.

It sounds like you do live in a glass coverage state. Call your agent and ask. Ask for a referral to a couple of glass replacemetn shops. They'll send you to one that is reputable but won't gouge you or your insurer.