Does Insurance Go Up After Windshield Replacement?

Apart from being a safety hazard, a cracked or damaged windshield is definitely an inconveniencing thing that should be taken care of promptly. With all the fuss over filing a claim, a major concern for drivers is usually an increase in insurance premiums due to this replacement. Knowing how insurance companies tick in this regard often relieves apprehension and makes things smoother. This blog will explain whether this statement holds any water: insurance premiums do tend to rise after a windshield replacement, along with the varying factors at play.

Windshield Replacement Coverage Explained

Most auto insurance policies include windshield repair and replacement coverage under the comprehensive portion of the policy. This particular type of coverage shields a policyholder from risks associated with non-collision perils, landside disasters, and impacts on animals. Damages to the windshield from road debris, falling objects, or severe weather get covered under this category.

What Can Impact Your Premium

1. Claim Frequency: The insurance carrier will consider the frequency of your claims while computing premium rates. The fact that you are filing for windshield replacement doesn’t mean your premium will go up. However, the REDIRECT Elevated risk due to high claim frequency may trigger a rise in premiums if you continue to file claims repeatedly for minor repairs.
2. Terms of Policy: The details of your car insurance policy are another significant factor. Certain insurance companies offer complete glass coverage as part of their upgrade options—an enhancement with no deductible and no increase in premium to your policy that covers windshield repairs and replacements. This needs to be done through fine print and discussed with the insurance company.
3. Claim History: Your general claims history is one factor that influences your premiums. If you have had several previous claims, for glass or other damage, then you may be considered a bigger risk by your insurer, which will increase your premiums.
4. Type of Coverage: The type of coverage you have will also impact whether your premiums increase or not. While comprehensive coverage typically covers the replacement of the windshield with a deductible, some policies offer zero-deductible glass coverage that may preclude premium increases.
5. State Regulations: All insurance is regulated at the state level. Some states prohibit premium increases for comprehensive claims, including windshield replacement. Check your state’s insurance laws to learn more about how claims may affect your premiums.

Ways to Avoid Increasing Premiums

1. Repair Instead of Replace: If the damage is slight, then consider windshield repair rather than replacement. Most insurers will cover repairs fully without a deductible and are less likely to increase your premiums.
2. Glass Coverage: Where available, select full glass coverage for an added premium. This typically covers all types of glass breakage, including windshields, without affecting your excess or premiums.
3. Clean Record: This record will surely help to avoid premium raises. So, one should not claim in case of minor damages that are easily repairable with pocket money.
4. Compare Providers: If your insurer has increased the premium amount after claiming it, you can shop around seeking better rates and hence some of these providers are very favorable regarding comprehensive claiming.

Conclusion

In most cases, a single windshield replacement claim is unlikely to give you a huge increase in your auto insurance premium. Your rates are more likely to increase based on the factors of claim frequency, policy terms, and general claims history. Keep on top of your coverage, have a clean record of claims, and review your policy options such as full glass coverage to help manage—or even reduce—the potential impact on your insurance premiums. Always consult with your insurance provider about exactly how specified claims will affect your policy and related premiums.

This post was written by a professional at At Home Auto Glass. At Home Auto Glass is your prime destination for auto glass services, catering to a diverse array of vehicles and needs. We work with insurance companies to get your new windshield today! Specializing in windshield repair and replacement, we ensure clarity and safety for every drive. Our expertise doesn’t end there; we also offer back glass replacement, side window replacement, and cater to specific needs for RV glass, commercial vehicles, luxury vehicles, and classic cars, ensuring that every vehicle type is serviced with precision and care. Proudly serving Florida, our reach extends across Sarasota, Tampa, Orlando, Fort Myers, Tallahassee, Ocala, Gainesville, and Jacksonville. Call us now to get your quote for your mobile windshield replacement Fort Myers FL