Arizona is one of six states with a free windshield replacement law. Meaning auto glass coverage is included with all Arizona comprehensive auto insurance policies. This law includes your policy deductible not applying to windshield claims, and you paying nothing out of pocket.
Yes, you should use insurance to repair or replace your windshield if it would cost more than your deductible to pay out of pocket for the work. If the deductible exceeds the repair or replacement cost, the insurer will not cover any of it and filing a claim would be pointless.
Although many dealers would have you think otherwise, simply having an aftermarket part or modifying your vehicle cannot void your warranty. ... The Magnuson-Moss Warranty Act states that a dealer must prove that aftermarket equipment caused the need for repairs before it can deny warranty coverage.