I just took out a policy with Safeco thru FMCA for $400 less than my Progressive that I had before joining FMCA. Not only less premium, but more coverage. One of which is the comprehensive I chose was $500 deductible. When I got my quote, it listed glass replacement with no deductible; it was part of the $500 deductible comprehensive. More liability, more medical, uninsured motorist that included property damage and medical. They also offer "agreed value" for about an additional $400 a year. You will pay about $250 for an appraisal.