What is Auto Glass Insurance Coverage?
Auto glass insurance coverage, also known as full glass coverage, covers damage to your vehicle’s windshield, windows, and other glass. This optional car insurance policy will pay for the cost to repair or replace your damaged glass.
Sometimes, full glass coverage comes with no deductible. In most cases, however, full glass coverage comes with the usual comprehensive coverage deductible – say, around $250 to $500.
Some car insurance companies include full glass coverage in comprehensive coverage auto insurance policies. Typically, this varies from state to state. A state with harsher winters, for example, may not offer full glass coverage because there’s more gravel on the road and a higher likelihood of windshields being shattered.
Do I Have Full Glass Coverage?
You might already have full glass coverage on your car insurance policy.
If you just have basic liability insurance, then windshield and other glass damage will not be covered.
If you have liability and collision coverage, then it’s also unlikely that you’ll have glass or windshield coverage. Most collision coverage insurance policies do not cover any type of glass damage outside of an accident.
If you have comprehensive coverage, however, then it’s possible that you have full glass coverage. In fact, some states require insurance companies to include full glass coverage as part of all comprehensive insurance plans.
Nevertheless, it’s possible to have comprehensive insurance without glass coverage. Just because you have comprehensive insurance does not guarantee that you have glass coverage. Many insurance companies offer an optional “rider” specifically for glass damage.
It’s also important to check your specific glass coverage: some glass coverage policies cover only windshield damage, while other policies cover windshield and glass damage.
Should You Buy Glass Coverage?
If you don’t already have glass coverage, then it may be a good idea to get it.
Typically, full glass coverage will cost you about $5 to $10 more per month for car insurance, or anywhere from $60 to $150 per year. In exchange, you get full coverage for any windshield or glass damage and repairs.
The first step in deciding whether or not to buy glass coverage is to check how much it costs. Ask your insurance company how much it costs to add full glass coverage to your policy. This might be labeled as a “glass rider” by your insurance company.
Next, consider the chances of your windshield being cracked or damaged. If you park on the street or outdoors, for example, your windshield has a significantly higher chance of being damaged – say, by falling branches, a neighborhood street hockey game, or vandalism.
Cities that use gravel on their roads in the winter may also have higher incidents of broken windshields. Some drivers also choose to get full glass coverage if they live on a gravel road or if they frequently drive off-road.
The next important thing to consider is your deductible. With most full glass coverage policies, you’ll need to pay your comprehensive coverage deductible. Typically, this deductible is less than your ordinary liability insurance deductible. It might be around $250, for example, or even less. Some glass repairs are so cheap that they won’t even exceed your deductible. In this case, it’s better off not having full glass coverage.
Some Car Insurance Companies Waive the Deductible in Certain Situations
Car insurance companies don’t expect you to pay a $250 deductible to repair a $50 crack in your windshield. Fortunately, some car insurance companies will waive your glass deductible in certain situations.
If you’re replacing a small crack or chip before it turns into a bigger problem, for example, then a car insurance company might cover the repairs while waiving the deductible.
GEICO, for example, will waive the deductible if you have a chip or crack on your windshield smaller than a dollar bill.
Fixing a Windshield Might Be Cheaper Than You Think
Ultimately, fixing a windshield may not be as expensive as you think. Mobile windshield repair stations can be found in parking lots. These stations can fix a crack or chip in your windshield while you wait. Auto repair shops can give you a fast and cheap quote on windshield repairs.
Nevertheless, it may be in your best interests to purchase full glass coverage on your vehicle. It gives you added peace of mind for a few extra dollars per month.