Check your insurance policy to see if windshields are covered. We keep a higher deductible so we are not covered (USAA) but it just depends on your policy. And no, a windshield replacement will not impact your rates.
We have used Safelite several times over the years with very good results. I asked my service rep once years ago and he admitted that they sub-contract Safelite to handle their windshield replacements...
2011 Space Grey E90 M3, DCT, Comp. Pkg.
1997 Z3 2.8, Artic Silver, Tanin Red interior, MT
1974 2002tii, Inka, MT