new windshields and insurance

[Buzzard]

I've got to get a windshield replaced...never done it through insurance before, so was wondering if it's worthwhile. Does anyone know if your premium goes up after claiming for windshield? I'm assuming it would. Also, these glass outfits always advertise paying part, or all your deductible, BUT.... some restrictions apply. Anyone know what restrictions? I'll phone around this week, but thought in the meantime someone here would know a bit.

[FurnaceFace]

I think the restrictions are typically the amount of your deductible they'll pay.

I have specific glass insurance as my policy would not cover my windshield (the bottom area is heated so a new windshield is a ton of cash) so you could look at that in the future if needed.

[REDVAN]

I have glass coverage, and I have had a windshield replaced 2 years ago and going to get one done soon here again. Aren't windshields like 500 bucks?

So if your insurance goes up 100 bucks for the year for a year or two, you are still saving money.

[redforever]

Originally Posted by REDVAN

I have glass coverage, and I have had a windshield replaced 2 years ago and going to get one done soon here again. Aren't windshields like 500 bucks?

So if your insurance goes up 100 bucks for the year for a year or two, you are still saving money.

Depends on what your deductible is. We dont have windshield coverage. Our policy still covers the other windows against vandalism, maybe hail, all those kinds of things, but not for the windshield.

We have a $500 deductible on our policy, so you wont save by having windshield coverage in your insurance if that is the case. But by waving windshield coverage, it brings the premium down substantially.

Windshield insurance is costly. Do the math and ask your insurance company what your policy will cost with and then without windshield coverage.

[Buzzard]

My deductible is $250, the windshield cost is $310 according to one quote. There's outfits advertising they pay the deductible up to $250. All sounds great, depending on how much the premium goes up.

[Dion]

I eliminated glass insurance on my vehicle a few years ago as it was getting too expensive. They wanted $600 a year to cover glass. Reason being as windshields on new vehicles were incredibly expensive to replace - some running over a $1000. My agent did say he could get me seperate galss coverage for $189 a year.

A person is better off taking the savings from not having glass insurance and pay to replace the windshield when need be.

[getbak]

Windshield coverage is a separate entity from the rest of your insurance, with a separate deductible, and often through a separate company than your regular insurance (often the company is owned by one of the major windshield replacement places, who will require you to use their shop for the replacement).

Because they're separate, making a claim on a windshield replacement won't affect your regular insurance.

[Dion]

Originally Posted by getbak

Windshield coverage is a separate entity from the rest of your insurance, with a separate deductible, and often through a separate company than your regular insurance (often the company is owned by one of the major windshield replacement places, who will require you to use their shop for the replacement).

That's very interesting. All the years i had glass insurance i was free to use whatever company i chose.

[redforever]

Originally Posted by Buzzard

My deductible is $250, the windshield cost is $310 according to one quote. There's outfits advertising they pay the deductible up to $250. All sounds great, depending on how much the premium goes up.

So now phone your insurance company and figure how much of your premium is going towards the coverage of your windshield.

If you are paying $300 per year for the coverage, then unless you replace your windshield at least once a year, you are losing money.

[redforever]

Originally Posted by Buzzard

My deductible is $250, the windshield cost is $310 according to one quote. There's outfits advertising they pay the deductible up to $250. All sounds great, depending on how much the premium goes up.

Here is another thing to keep in mind. Increasing your deductible to say $500 gives you considerable savings as well.

With the savings, you can increase your personal liability and still probably come out ahead. $500,000 or $1 million is not much these days for personal liability.

[FlamesKickAss]

get ami guys, its 174/year and 50 dollar deductible and doesnt go up based on how many claims you have. $222/ year if a commercial deductible. if its just chips and can be repaired its $25. all glass is oem and done at crystal glass.

[macker]

Call 310-Glas (Crystal Glass) and get a quote on what your windshield would be to replace. Then call your agent and find out how much more per year you are paying by having windshield coverage. Most times it makes sense to get the 13d endorsement added to your policy and this means that you don't have windshield coverage. As stated AMI is a good alternative and if you make a claim with AMI it won't effect your record. Insurance companies won't raise your rates if you make glass claims the only thing they will do is force you to increase your deductible if you have numerour glass claims. It is covered under your comprehensive portion of your auto policy and thus it does not effect your liability or collision premiums either. The glass insurance and insurance company are not seperate entities. The only time they are seperate entities is if you elect to take out a glass policy with AMI http://www.ami.ab.ca You could also find out the price of your windshield at AMI's website. They mandate that all repairs are done at Crystal Glass. Also comprehensive deductibles are typically $250 or $500 so you typically are self insuring the windshield up to these limits anyways so therefore it usually doesn't make sense to have windshield coverage on your auto policy.

[getbak]

Okay, I guess I should correct my previous statement, I've never gone through an insurance company that didn't offer windshield coverage as a separate entity, but I guess that depends on who you're dealing with.

[Dion]

Originally Posted by FlamesKickAss

get ami guys, its 174/year and 50 dollar deductible and doesnt go up based on how many claims you have. $222/ year if a commercial deductible. if its just chips and can be repaired its $25. all glass is oem and done at crystal glass.

If you're not replacing your windshield once a year you're better off deleting glass insurance from your coverage. Saved premiums will more than cover any glass replacement you'd have to pay for yourself.

[Eddie Bronze]

I know I have windshield coverage but since I had to put in a claim just last fall because of a hit and run and I was in an accident within the past four years I decided to foot the bill on fixing mine this spring by myself. $500 deductible paid out last fall, $500 more to fix a windshield this spring. This was supposed to be the year for new wheels and tires.