Does Getting Your Windshield Replaced Make Your Car Insurance Rates Rise?

If you have noticed a crack or damage to your windshield you (like many others) may be hesitant to get it repaired or replaced for fear that if you submit it to your insurance, your rates will go up.  It is no wonder that one of the most common questions we get is, “Will replacing my windshield make my car insurance rates rise?”

The truth is – there is no one concrete answer.  Not all insurance companies have exactly the same policies.  However, generally speaking, most automotive insurance companies do not consider windshield damage to be a claim that would raise premiums for their insured.  In fact, most automotive insurance companies prefer that their clients report windshield damage and get the necessary repairs or replacements because it is a bigger liability to drive around with a damaged windshield.

At Auto Glass Direct, we have extensive experience working with all automotive insurance companies.  We will work with your insurance company representative to determine if your insurance company will cover windshield replacement or repair from damage.  For this reason, we highly recommend that customers contact us, the glass company, prior to reporting your claim to ensure so that we can handle all of the hard work with the insurance company for you.  With your permission, we will verify coverage, handle paperwork, and file the claim for you with your insurance company.  It really is that easy.  And, we will never file a claim or make a decision for you without determining if it will raise your premium and discussing it with you first.  Your car insurance company will want to determine what caused the damage to your windshield before they determine if it will increase your premium. But, for the most part, when you submit a claim for windshield repair or replacement, it should not raise your insurance premiums.