I keep a $1,000 deductible on my car insurance which saves me several hundred dollars a year. However when my windshield needed replacing I couldn't just call up Speedy Glass and have the Comprehensive policy take care of it. Out of insurance cost from Speedy was going to be C$450 so I looked around. Found Glass America south of the border. For US$218 they arranged to meet me in Niagara Falls near the Fashion Mall. They actually beat me there, used original equipment glass, and did an outstanding job. Highest recommendation.