While driving to school today, I passed an 18 wheeler which kicked a rock into my windshield. I got his plate number, but don't think that it will help, as it is not really his fault. The chip is pretty small on the right side of the windshield. My mom has me on her policy with State Farm, but I am worried to call and make a claim because I am a new driver and am worried that my rates may go up. I got a quote from Safelite, and it was $99 which I do not have. what should I do?