Repairing or replacing a cracked or damaged windshield can be rather expensive, and many people decide to forego the repair in order to save money. This is a dangerous move, as your windshield is a key component of your car’s safety and should be completely intact to ensure that you are protected throughout your drive. Fortunately, some insurance policies provide coverage for windshields, so you may be able to get it replaced or repaired without ponying up the funds.

Does Your Policy Cover Windshield Insurance?

If you have a comprehensive insurance policy, chances are that your windshield is covered. However, you should be sure to check with your agent. When you are considering insurance plans, ask if windshield damage is covered. For non-comprehensive plans, you may be able to pay a small additional amount for windshield coverage.

What does Windshield Insurance Cover?

Generally, it will cover the amount that is required to replace or repair your windshield. This can be due to rocks and debris causing chips in your window or to an accident where another driver is at fault. With full glass coverage, you may even be covered in some situations where you might be deemed to be at fault, depending on the circumstances.

While all policies differ, pretty much any type of damage should be covered outside of general wear and tear. Flying rocks and debris, accidents, and even vandalism might be covered by your policy. By having windshield insurance, you will not have to pay the full cost of repair and may only be required to pay the insurance deductible. If you have full glass coverage, you might not even have to pay that.

What if I don’t have Windshield Insurance?

Without any coverage for windshield damage, you will have to pay the full repair or replacement amount in the event that something happens. This can be a costly repair, which is why many people do everything they can to ensure that their policy covers windshields. Many even choose to pay a little extra for full glass coverage. It is up to you whether you would rather save some money on a cheaper policy of if you prefer the peace-of-mind that you won’t have to dish out a large lump sum if something does happen.

When to file a claim

Because windshield damage happens so regularly, it is one of the most common claims that auto insurance companies come across. If you get a minor chip and catch it early, it may a cheap repair that can be done in a matter of minutes, so it might not be worth it to file a claim, as the process can be lengthy. If it’s cheap enough, it’s probably worth your time to just pay for the repair.

If, however, you have a major crack or need a full windshield replacement, filing a claim is the way to go. This can be very costly, and a good policy will cover the majority of the cost, but you might have to pay a deductible.

In the event that you have the money to pay for a repair, you might consider doing so to avoid adding any claims to your insurance record. The more claims you have on record, the more you are going to pay for your insurance policy. It’s up to you decide if you’d rather take one big hit now or pay more on an annual basis.

How much will I save with insurance?

This is different for everybody, as insurance companies evaluate your previous accident and claim history and offer you a rate based on that. The cost of a windshield replacement also varies significantly depending on what type of vehicle you drive. Replacement for a compact, low-end car may only be about $300. On the other hand, a customized, luxury SUV might require almost $1000 worth of repair or replacement fees. In the end, it is important to get comprehensive insurance no matter what, and you should shop around with several companies and make sure that they offer windshield coverage. Full glass coverage is another option that could cost more, but will provide you with a few more options than standard insurance.