Calling out the probably obvious, but just to make sure it's said, changing your insurance (lowering deductible, adding windshield coverage, ...) so that afterwards you can file a claim for existing damage is almost certainly against insurance terms. They can cancel your policy, and at the extreme is insurance fraud (particularly if it asks any questions about state of things when making the change).
So depending on your situation and desires, worth considering moral and ethical implications, along with considering how much discussion of particular topics you leave undeleted on the public internet.
Regarding cracks, I had back in the day so many cracks in windows. I found some of the fix kits were effective if you get it early and it's not spread. Definitely can prevent it from spreading, and in some cases make chips or small issues not very visible (I can't say completely invisible).