I've been driving for almost 40 years and have owned cars for 35 years and never cracked a windshield until now. I'm driving 40mph in a 40mph zone and someone in an SUV doing about 60mph passes me going the other way (me west he east) and as he passes I hear a pretty loud smack on the windshield but didn't see any damage. About 15 minutes later I notice a crack about 3-4 inches long halfway up and going all the way to the drivers side edge. #$#$$%!!! Another 20 minutes and the cracks about 6 inches long and it seems to have stabilized at 6 inches.
OK, I never had to replace a windshield before but this crack is too big and in a bad spot so it looks like I need to get it replaced. What would I expect to pay for a new windshield if I was to pay out of pocket? I have Geico insurance and I know I'm covered but what effect does replacing a windshield have on your premiums if I have Geico foot the bill? Is there anything else I need to know such as: where to get it replaced, where to avoid, what the effect is on my insurance?
BTW, the car is a 2012 FF Ti HB with about 12,400 miles and has otherwise been free of defects or issues (MFT, DCT, etc).
2012 FF Ti HB Sonic Blue, Built 5/7/12, 401A + Parking Technology Package and MFT w/NAV 3.0.2 -> 3.2.2 -> 3.5.1 -> 3.6.2