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Wow. Just wow... I don't understand how some insurance companies punish you for using what they have been charging you for... I've had my insurance for about 15 years since my Navy days, and in that time I've totaled about 5 cars (young and stupid lol) had one stolen, many fender benders from ending up in a ditch during winter when I used to live up north, and in the last 5 years I've had my windshields replaced every year. Yet my rates never go up due to claims.. heck this year they went down compared to 2019...
Good luck OP
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