Auto Glass Insurance
Many people choose to have collision and comprehensive insurance cover on their car or vehicle. This will typically provide coverage against physical damage to your car, and often this will also cover broken glass. However, should you not have comprehensive cover you will generally find that you are not covered if any of your windows are damaged. This is most likely to occur from debris from the road or even vandalism.
Many people choose to purchase auto glass insurance as an additional extra on their policy. In order to determine whether you need this form of coverage you should be aware of how likely is that your windows may become damaged, how much it will cost to replace the largest window in your car, and also how much a glass rider will cost.
If you often drive on dirt tracks, to get to a construction site for example, or even if you do a lot of freeway driving, you may already have suffered damage to windows in your car from falling or flying debris. If the weather conditions are fairly windy or stormy this can also increase the odds of flying debris being blown onto your car. In addition to this, subzero temperatures are likely to make your windows far more susceptible to damage. This is typically caused by your windows becoming more brittle in the colder weather. Even the smallest chip on your windows can eventually lead to a major crack, which will mean that it is likely that you will have to replace the glass. If you have auto glass insurance, this will generally mean you will have to pay far less for any repairs.
Most people generally believe that damage to their windows is likely to occur when the car is in motion; however, you should be aware that there are other hazardous conditions that can affect your windows and these are not strictly limited to when you are driving. If your car is parked in unsecured car park, or even in the nicest of neighborhoods, there is a risk of damage to windows from vandalism or break-ins. In fact, you'd be extremely surprised at how often cars are broken into. With that said, if you do very little driving and your car is always parked in a secure garage then the chances of you needing to replace damaged glass are extremely minute. It is only in these circumstances that it is probably not worthwhile for you to purchase auto glass insurance.
The cost of replacing windows, whether it is a front windscreen, rear glass or side window, will very much depend on the make and model of your car. You will generally find that when you are issued with a quote for replacement glass that the labor costs will also be included in the price. Irrespective of the make, model and year of your car, if you sustain damage to windows you can expect to pay anywhere from $200-$350 for a replacement.
Prior to purchasing auto glass insurance it is often a good idea to find out a few additional details from an auto glass repair shop. This may include how much they will charge for replacing your car windshield and other windows, how much a factory windshield costs and indeed a standard windshield. You should also find out if your specific car windshield can be repaired, as many makes and models of cars will simply need a brand-new windshield.
You will generally find that your insurance premiums will increase if you have to make a claim, and this will include auto glass replacement. However, there are numerous insurance companies that are willing to pay for free repairs, although you will have to decide for yourself whether the cost of your premium is worth the perceived cost of a free repair. Simple repairs to your windows will usually cost no more than $50.
If you notice a chip or crack early it is best to get this repaired as soon as possible. Over time, even the smallest chip or crack can dramatically increase in size, and thus will cost far more money to have repaired. As with most insurance policies, auto glass insurance will require you to pay a deductible. This is a set amount that you will need to pay before your insurance policy kicks in for the cost of repairing or replacing your windshield, or any other windows in your car for that matter.
There is also a policy that provides full glass coverage that has no requirement for you to pay a deductible. This type of insurance policy will pay for the full cost of repairs or replacement of any windows in your car. However, the fact that you do not have to pay a deductible will typically increase your overall premium. This type of auto glass insurance policy is only recommended to those who believe there is a higher risk of damage than usual to the windows in their car.