Saving on Windshield Replacement With Your Car Insurance

Windshield damage occurs more often than many people expect. On highways, your vehicle’s speed is enough that gravel kicked up by another car’s wheels could crack your windshield if it impacts the glass. Replacing a windshield can set you back $400 for a standard vehicle and more for higher-end models. However, taking the time to make sure your car insurance covers windshield replacement can save you hundreds.

What Does My Insurance Cover?

Car insurance policies generally come in two forms, though what they entail varies between states. Minimum coverage is the basic insurance needed in your state to legally operate a vehicle—this includes personal injury protection and liability coverage for property damage or bodily harm you cause in an accident. Full coverage, though, features add-ons like comprehensive and collision coverage to pay for repairs in many other scenarios.

Broadly speaking, windshield replacement or repair falls under comprehensive coverage. Minimum coverage may not pay for windshield damage.

What Coverage Plans Can Help?

Comprehensive coverage functions as a catch-all policy for auto damage caused by anything other than an accident with another vehicle. This includes fire, floods, falling objects, animals, theft and vandalism. Many cases of windshield damage occur outside of car accidents, so this is a good way to make sure you’re covered.

However, collision coverage can work for windshield repairs in circumstances related to a crash. For instance, if another vehicle backs up into you and cracks the windshield, or if you run into a pole or sign, this could be grounds for collision coverage paying for your windshield.

Insurance companies in many states also offer a “full glass coverage” add-on related to windshields and windows. Though the coverage is specific, deductibles are lower and the cause of the damage is irrelevant.

Auto Glass Direct & Tint Co. provides premier windshield replacement and repair services in the Phoenix, AZ area, and our affiliations with many insurance providers means low costs for you. Contact us today to get a free quote for your vehicle.