Insurance companies will cover a repair at 100%, but not a replacement. I had a Subaru Forester and had to replace the windshield 3 times in one year I have a $500 deductible on the replacement also. They say they can repair anything smaller than a silver dollar, so it's worth a shot. If you go with the replacement, try AAA autoglass, if you're able. They were good with me, but then the Forester windshield cost was initially $800 since it had all the heating elements in it also. They knocked it down under $500 so I didn't have to file a claim after the first time.

Good luck.