Windshield Replacement - Brand and Insurance

Hello, I could do with some advise here:

I need to get my 2015 Mazda3 windshield replaced due to a foot long crack caused while driving due to unknown reasons(maybe something hit it, or heat or stress or combination - but definitely not my fault).

I currently have $500 comprehensive deductible, and seems insurance in California(AAA) clearly wants me to pay my full share if I want to go through them.

I've rang up few decent Auto Shops nearby and obtained below best quotes for Windshield replacement (if I pay out of pocket):

1. PGW Windshield(OEM-like) $360 (all inclusive)
2. Dealer
Source of insurance-forums.net

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