Replacing a Broken Windshield: What You Need to Know

If the glass windows of your car are damaged by anything other than a collision with another vehicle, then you may be able to repair your windows or windshield at a fairly low cost. But there are some situations in which replacing your broken glass may cost you a pretty penny – as well as a hike in your monthly premiums. To learn all about how to replace or repair broken glass in your car, just keep reading.

Types of Coverage That Cover Glass Repair

The vast majority of the time, if you have to repair or replace your car’s glass, the claim you filed will be covered by your comprehensive coverage. More and more auto insurance companies these days are offering $0 deductible costs to repair broken windshields and/or windows. The smaller the crack, the less it will cost you.

However, if the damage is more extensive (any crack wider than, say, a dollar bill) or if you have to have an entire piece of glass replaced, you may have to pay your deductible. Additionally, depending on your insurance company, you may be facing more expensive premiums the next time you renew your policy.

Average Premiums Before and After Filing a Comprehensive Claim Legend: No Claims Filed Windshield Replacement Claim Alabama Wyoming California Oklahoma Nevada Colorado 15 30 45 60 75 90 105 120 135 150 165 180 $127 $150 $128 $151 $164 $194 $131 $155 $112 $132 $130 $153

If adding comprehensive coverage to your auto policy doesn’t fall comfortably into your budget, or if you’d rather just save money by purchasing less coverage, some companies will offer a separate covered glass endorsement that you can add to your policy. In the event that your glass is damaged or broken by anything other than it Collision, you may be able to get it repaired without having to pay a deductible first. Again, most auto insurance companies are dropping the practice of raising your monthly premiums after filing a glass repair claim. But not all companies are so forward-thinking. Be sure to check with your insurance agent to find out whether they raise premiums after broken glass claims.

How Much You Should Expect to Pay for Glass Replacement/Repair

Repairing broken glass on your car is the least expensive when it is a small crack and can be easily filled in by a professional auto glass repair body shop. These days, most car insurance companies are not even charging a deductible for these repairs, regardless of which type of coverage your claim falls under.

As we stated earlier, it’s more likely than not that your comprehensive coverage will apply to a glass repair claim. If this is the case, especially if the damage is extensive or you have to replace a window or your windshield, you will likely be asked to pay your deductible first. This is especially true in the event of a replacement, because it breaks the factory seals on your car and makes it more likely that you will need replacement glass in the future. This poses a higher financial risk to your insurance company, and they will pass some of that risk on to you in the form of a higher premium.

Luckily, most glass repair work isn’t going to break your wallet, even if you have to pay for everything 100% out of pocket. Whether you drive end affordably-priced sedan, a pickup truck, a moderately priced SUV, or even a Tesla, repairing a small crack in your car is glass should cost you less than $150.

If your glass needs to be replaced, however, things start to get a lot more expensive. Depending on your vehicle, how expensive it is, and the type of glass you need in order to drive safely, your new glass can cost you anywhere from $350 to $900 or more.

StateMonthly Premium – No Claims FiledMonthly Premium After Windshield Replacement ClaimPremium Increase Cost Over 5 Years

Before you choose to get your windshield or windows replaced, you need to do a cost-benefit analysis of the situation. If you drive a newer, expensive car and the repair costs are substantial, then it may benefit you to go ahead and file a claim – even if you have a high deductible and expect an increase in your premiums.  Under other circumstances, however, it may be more economical to just bite the bullet and take care of the repairs yourself. Whether or not you file a claim depends entirely on the personal circumstances surrounding your glass repair needs.

Most insurance companies these days are offering pretty good deals on glass repair coverage. But if your car insurance company is stuck in the stone age and expect you to pay an arm and a leg to get your glass repaired or replaced, it might be time to start shopping around for a new provider. We’ll be happy to help you with that – all you need to do is provide your ZIP code and we can find you fast, free quotes on your next policy.