If your apartment is on the coast, triple-glazed windows are going to be pretty useful for you, but not for the reason you might think. The key thing here is that besides thermal insulation, those windows usually have special coatings that block UV rays and reduce solar radiation, which significantly lowers how hard your air conditioner has to work. That said, before you put money into new windows, check the condition of the frames and seals: if you've got air leaks, it's like throwing money away; fix that first. And yeah, look for windows with a low U-value (the manufacturers will tell you), because that's what's actually going to save you on your bill throughout the year.