Many motorists purchase liability insurance for their vehicle, and perhaps collision. While these types of insurance will certainly help pay for damages to your vehicle in an accident with another vehicle, they won’t pay for damage not involving another automobile. Some drivers only find themselves thinking about comprehensive, or “other than collision”, insurance when it’s too late and the damage has been done. Falling objects, severe weather such as hail, even rocks kicked up off the road can damage or destroy your windshield and other glass. With comprehensive insurance, you may end up paying very little to replace a windshield or window, or even nothing at all!
What is your deductible?
Simply put, the deductible is the amount you will have to pay before the insurance will begin picking up the expense. If your comprehensive deductible is $1,000, chances are the insurance company will not pay a dime toward your windshield replacement unless it is a very expensive one, as most average between $200-$400. A lower deductible of, say, $100, or even $50, will mean that you will only have to pay a portion of the replacement cost, and the insurance will pick up the rest. Some insurance providers offer a $0 deductible option for comprehensive coverage, meaning any damage caused to your auto glass, amongst other things, will be completely covered by them, and you are spared the expense. The monthly payments may be a bit higher, but it can more than pay for itself.
You might consider comprehensive insurance based on a number of factors, such as if your vehicle is at high risk of theft or vandalism, or if you routinely park the vehicle outside exposed to the elements rather than a garage or car port. The value of your vehicle is also a factor to consider, as the higher insurance premiums may actually outweigh its value fairly quickly in some situations. Additionally, even with comprehensive coverage, many drivers worry that if they file a claim for a damaged windshield that their monthly premiums will increase as a result. While policies and insurance providers may vary, this is generally not the case.
Generally, owners who are financing a vehicle and paying a loan are required to have comprehensive insurance. Consider lowering your comprehensive deductible to avoid paying full price for damages to the body or glass. The premium will increase, however it might mean the difference between paying nothing or very little, and paying $1,000 or more for repairs.
If your vehicle’s glass has been damaged, give us a call today. If you have comprehensive insurance coverage, we will help you work out the details and make the replacement process as easy and simple as possible. Our certified and experienced installers are among the finest in North Carolina and we always strive to make our customers happy. Come see us today at 7341 W. Friendly Ave., Suite D in Greensboro NC, call us at (336) 851-1380 or you can also contact us through our website, and we’ll be back in touch with you promptly!
