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Glass Etching kit at Hobby Lobby with good stencil material is under $20
Locally some window tint places charge 100~200...
I do it myself... and yes cutting out all the VIN with a Xacto knife is tedious but saves a LOT of money...
USAA only cares that the windows are etched...not who did it
I have done both the chemical etch and the sand blast method
Sand Blast is a little deeper and looks more professional but if you don't have a compressed air source not a good DIY project
Chemical etching really requires paying close attention to NOT get the stuff on any part of the auto finish...
Most law enforcment agencies will do this for free as part of thier crime prevention program and it is normally sponsored by the auto insurance industry.