This is entirely dependent on the policy, and your assertion is incorrect for most. Glass claims, on average, do not impact your insurance premiums, *especially* if they are repair, rather than replacement.
Lots of bad advice here
Auto insurance has 2 parts:
• Comprehensive - things out of your control to prevent (like a flying object or a bouncing object that hits your car).
• Collision - Things in your control to prevent impact with (like trees, buildings, other cars, potholes, etc...)
The idea here is unpredictable things are not your fault and it’s reasonable that there was no way to prevent it.
Because of this, collision claims will generally raise your rates, especially if you were at-fault. Some policies have accident forgiveness, or won’t raise your rates for a small number of not-at-fault claims. However, comprehensive claims (which is what a glass claim falls under) generally will NOT raise your rates.
My comp and collision deductibles are $1k. I see no reason to raise them to $10k. The reason you pay for insurance is to use it when you need it.
Otherwise, you may as well just self-insure. If you don’t want the safety of insurance, you can just accept liability in most states by storing some collateral. No, I don’t recommend this.