As to your question about insurance companies, you might also talk to an independent insurance agent who can shop your coverage (including home, etc) with several companies based on your needs and desired coverage. And the agent can possibly address your windshield coverage with a rider. There are good companies that an independent agent can shop, like Nationwide, Travelers, Liberty Mutual, etc and get the best package for you. One caveat with an independent agent is that a good one will shop your policy every year. A poor one will just renew your policy with the same company as there is less work for him. Insurance is governed by the state and companies are all the time doing rate filings, some of which may be rate reductions to customers with certain characteristics, with the state department of insurance.
2017 MDX Advance, White Diamond Pearl/Espresso
2015 Mercedes S550
2019 Lexus ES300h
2000 Chevy Silverado 2500
Previous MDXs: 2001 Touring, 2005 Touring, 2011 Advance