Q. Will my insurance rates go up if I get my auto glass or windshield replaced through my insurance?
A. The answer is No. Auto Glass and Windshield replacement falls under the comprehensive portion of your insurance rather than the “collision” portion. Comprehensive insurance is a policy that you carry that covers you from debri in the roadway, hail damage, break-ins and many other obstructions. Broken auto glass does not reflect your driving ability and has no bearing on your level of risk to the insurance company. Therefore the repair or replacement of your windshield will not influence your insurance premiums.
Most people don’t realize that their insurance has a special lower deductible for auto glass damage. It’s worth double checking to ensure you know your AUTO GLASS deductible rather than your collision deductible. Many people tell us they have a $500 windshield deductible, but when we confirm coverage, we find out that their AUTO GLASS deductible is typically only $100.