Wouldn't you just know it...I haven't had my new truck but a few weeks and already a rock found its way to my windshield. The peck on the windshield was no bigger than a dime, but I didn't want it running into a long crack so I went to the glass store and they repaired it. Unfortunately, I had to find out that my insurer no longer waives the deductible for repairs, so I was out of pocket $38 plus tax. I called my insurer and found out that they had indeed stopped waiving the deductible on a repair, but for $5 more every six months I lowered my deductible to ZERO on my comprehensive. That's the cost for lowering a policy with a $100 comprehensive deductible to zero (for an 07 Tundra). I figured that was a good deal. Next time I need a repair, or even a full windshield replacement, it won't cost me any deductible.