Be careful when calling your Insurance Co. and try and find out what your deductible amount is without telling them you need a glass...some will penisize you by taking away your no claims discount if you do it or not!.
If your dedictible is high, do as mentioned above and tell the glass guys you're doing the paying...also be clear you won't be taking the free nylons or BBQ's or whatever other incentives they may have..
I just checked w/ my glass guy here and an aftermarket one is $250 installed including the molding and kit for a light tint unit..
Add $25 for upper shading and add another $100 for the factory job w/ Ford or Harley edition logo etc..
~ Pete
