This is not totally true across the board.
2 instance of why it's not.
My wife's town car was hit by a very large rock kicked up from a passing truck right in the middle of the drivers view portion of the windshield.
I have $ 0.00 deductible comprehensive and have been with the same insurance co for 20+ years. BTW, I am always checking different companies to make sure I have good rates.
When reporting the damage and scheduling a windshield replacement, I requested OEM and was granted OEM on a vehicle older than 2 years because I had been a client/customer for a long time, call it a perk if you will.
Insurance did NOT go up on premiums!
Second example.
Replacement of windshield after my T4R was pelted by the tempered glass, Requested OEM windshield because T4R was not 2 years old. That is one of the stipulations that my insurance has....
Again, Insurance did NOT go up on premiums!
YMMV, maybe it's because I have been with the same company for a long time and not hesitant to remind them of such. :hatsoff: