Are you struggling to determine what type of auto insurance is right for you? It’s a common problem- there are so many choices and options available that it can be difficult to make a decision. Due to this, many drivers put off customizing their coverages and end up with a less-than-ideal policy.
In this article, we’ll start by covering the basics of auto insurance. Then, we’ll discuss a specific type of coverage- windshield replacement insurance- and help you determine if it’s right for you.
Auto Insurance Basics
Most states require drivers to have some form of auto insurance in order to legally operate a vehicle on public roads. The amount and type of coverage required can vary by state but typically includes liability insurance. This coverage protects you financially if you’re found at fault in an accident and are sued by the other driver.
Beyond the minimum requirements, there are many different types of auto insurance coverages available. The best way to decide which coverages are right for you is to assess your risks and needs. For example, if you live in an urban area with a high crime rate, you may want to consider comprehensive coverage, which protects your vehicle from theft and vandalism.
On the other hand, if you live in a rural area with little traffic, you may not need as much liability insurance since the chances of being involved in an accident are lower. Keep in mind that your needs can change over time as well, for example, if you move to a new city or get a new job.
What is Windshield Replacement Insurance?
Windshield replacement insurance is a type of auto glass coverage that pays for the cost of repairing or replacing your windshield if it’s damaged. This coverage is typically included in comprehensive insurance policies but can sometimes be purchased as a standalone policy or add-on.
Like other types of auto insurance, there are deductibles associated with windshield replacement insurance. This is the amount you’ll have to pay out of pocket before your coverage kicks in. For example, if you have a $500 deductible and your windshield costs $1,000 to replace, you’ll pay $500, and your insurer will cover the remaining $500.
Deductibles for windshield replacement insurance can range from $0 to $1,000 or more. It’s important to choose a deductible that you’re comfortable with and can afford to pay if necessary.
Should You Get Windshield Replacement Insurance?
Now that we’ve covered the basics of auto insurance and windshield replacement insurance, you may be wondering if this coverage is right for you. Here are a few factors to consider:
-The cost of windshield replacement. In most cases, it’s more expensive to replace a windshield than to repair it. If you live in an area with a lot of hail or debris on the roads, this cost can be even higher.
-Your comprehensive deductible. If you already have comprehensive coverage, you may already have this coverage and just need to adjust your deductible.
-Your budget. If you’re on a tight budget, you may want to consider a policy with a higher deductible since these typically have lower premiums.
-Your driving habits. If you often drive or are in hazardous conditions, you may be at a higher risk of damaging your windshield and should consider this coverage.
What Happens if I Don’t Purchase Windshield Replacement Insurance?
If you don’t have windshield replacement insurance and your windshield is damaged, you’ll have to pay for the repairs or replacement out of pocket. This can be costly, especially if you need a complete replacement.
In some states, you may be able to get your windshield repaired or replaced through your comprehensive insurance policy if you have this coverage. However, you’ll likely have to pay your deductible before coverage kicks in.
Some auto glass repair shops offer their own insurance policies or warranties. If you use one of these services, be sure to read the fine print, so you understand what’s covered and what isn’t.
Making the Decision
Windshield replacement insurance can be a worthwhile investment, but it’s not right for everyone. Consider your needs and budget to decide if this coverage is right for you. You don’t want to be caught without it if you do need to replace your windshield.
FAQ About Windshield Replacement Insurance and Coverages
Q: Will my insurance go up if I purchase windshield replacement insurance?
A: In most cases, your premiums will not go up if you purchase windshield replacement insurance.
Q: Do I need to get my windshield replaced through my insurance company?
A: In most cases, you can choose any repair shop you want. However, some insurers have a network of preferred providers that you may be required to use.
Q: Is there a deductible for windshield replacement insurance?
A: Yes, there is typically a deductible associated with this coverage. The amount will vary depending on your policy and insurer.
Q: Is windshield replacement insurance required by law?
A: No, this coverage is not required by law. However, some states may require you to have comprehensive insurance if you finance or lease your vehicle. Check with your state’s DMV for more information.