My cousin owns an autoglass company. I used to work for him.
The insurance company usually covers repairs. Depending on where the crack is, that may be all that is needed. A simple repair. I would not advise you doing it yourself, cause too much pressure can send that crack across yer windshield. Should be able to pay a glass company 40-50 bucks to get that done. If the insurance wont cover it.
If the deductable is 500. Get a cash quote. Shop around. *nodz*