Having Windshield Repair Car Insurance Can Save You Money

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Here's what you need to know...
  • You need a windshield to drive, so carrying windshield replacement insurance can be a good idea
  • It’s better to repair a chip or small crack before it grows and requires replacement
  • Compare several insurance companies to see which can offer you windshield insurance at the best rate

If you have ever had to replace a windshield on your vehicle, then you understand the benefits of car insurance for windshield repair.

Your windshield is one of those things that it isn’t safe to drive your vehicle without, so when it is broken, you want to ensure that you have windshield repair car insurance.

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There are two types of problems that you can encounter with your windshield, a crack or a break. Some car insurance companies cover both while others only cover one or the other (or neither) under a standard policy.

Understanding what your car insurance covers may end up saving you hundreds of dollars if you face a windshield situation.

How Windshield Repair Car Insurance Works


There are three ways that windshield repair car insurance can work:

  1. First of all, you could have insurance that replaces your windshield for free or pays for the repairs for a chipped or cracked windshield. Typically this insurance will not require you to pay a deductible in order to get this coverage.
  2. Another type of windshield repair car insurance will repair a chipped or broken windshield without a deductible and replace a broken windshield after you pay a deductible, or they don’t cover the cost of a replacement at all. The reason for this method is to encourage owners to have their windshield repaired so it does not need to be replaced.
  3. Lastly, you may not have windshield repair car insurance at all. In this case, you will have to pay for the entire repair or replacement for yourself. The cost to replace a windshield can vary from $175 to $500 depending on the type of vehicle you own and if the company has to do anything special to during the replacement.

The cost of windshield repair car insurance is about $2 a month.

Usually, when you have windshield repair car insurance, you are required to take your vehicle to a repair shop that is approved by your insurance company.

Although this may seem like a hassle, there is a big benefit to you because these windshield repair or replacement companies will bill the insurance companies directly, which means you won’t have to file for a reimbursement for the costs.

There are some states that mandate that every insurance company cover the cost of the repair or replacement of your windshield as part of your insurance policy. These states are Florida, Kentucky, Massachusetts and South Carolina.

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The Benefits of Windshield Repair Car Insurance

The biggest benefit of windshield repair car insurance is the fact that, in most cases, you aren’t going to have to pay any money out of pocket to replace your windshield.

Even if you do have a deductible, you will save money on the cost of replacing your windshield.

Where this insurance really isn’t beneficial is when it comes to repairing a crack or a chip in your windshield. It only costs about $20 to have your windshield repaired.

Of course, the worse the crack the more expensive it will be to repair, but it is unusual to have a repair cost more than $50. This is the cost per chip, however, so if you have a lot of chips this can add up very quickly.

With the cost insurance averaging about $24 a year, for most people windshield repair car insurance is a valuable asset.

Where to Buy Windshield Repair Car Insurance


Windshield repair car insurance can’t be purchased on its own; you have to purchase it with your car insurance policy.

Many car insurance companies include this coverage as part of your comprehensive insurance package while others sell it as an additional purchase. You will find that the majority of insurance companies offer this option in one form or another.

When you buy car insurance, you need to consider all of the possible things that can go wrong with your vehicle. You will have to consider how comprehensive your policy can be while still falling in your price range.

One of the easiest ways to manage this is to use a free quote tool to get quotes from multiple companies. Not only will you get a clear picture of what everything will cost, you will also be able to manipulate the data to see what it will cost you by adding more or taking things away.

Enter your zip code now and start comparing car insurance quotes online!

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