Auto Insurance Glass Coverage

By Compuquotes Team on October 16th, 2009
Auto Insurance

If you are making payments on your car or truck, you probably have collision and comprehensive insurance. And if you have these insurances against physical damage to your vehicle, one of them should cover broken glass. However, if you do not have collision and comprehensive insurance, you are probably not covered if any of your windows are damaged or broken by road debris or vandalism. Read on for more information about what auto insurance glass coverage is and under what conditions you might want to consider it.

How to Decide if You Need Auto Insurance Glass Coverage

To determine whether you might want glass coverage, you need to know: how likely your windows are to be damaged, how much it costs to replace your largest window, and how much a glass rider costs.

If you drive on dirt roads, to construction sites, or do a lot of freeway driving, you may have already suffered damage to your windows from flying or falling debris. Windy or stormy conditions increase the odds of rubble being blown into your auto, and sub-freezing weather makes your windows more susceptible to damage by making them more brittle. And you probably know that small pits or dings can lead to major cracks and, ultimately, to replacement glass. An auto insurance glass coverage rider can provide you not only peace of mind, but, in the end, a less costly repair.

Most people believe damage to windows occurs only while the vehicle is in motion. However, conditions hazardous to your windows are not limited to those you encounter while driving. If you park your car in an unsecured parking structure or on the street, even in the best of neighborhoods, you risk damage to your windows from break-ins. Think it doesn't happen in your posh part of town? Just contact your local neighborhood watch captain or police department; you might be surprised by how frequently vehicles are broken into.

Of course, if none of these conditions apply to you, if you do little driving and keep your car parked in a secured garage, then the chances of you needing to replace your glass are small and probably not worth the extra insurance.

Cost of Replacement Glass without Auto Insurance Glass Coverage

The cost of replacing a front, rear, or side window depends on the model of your vehicle. When you get a quote, the labor cost is usually included in the price. Regardless of the year, make, and model of your car or truck, or which window sustains damage, you can expect to pay somewhere between $150 to $350 per window to replace them. For a quick quote using the particulars of your vehicle, go to http://www.safelite.com and click the Instant Quote link at the top of the page.

Get Help from an Auto Insurance Agent

If you think you might want glass coverage but do not have the time to research the cost/benefit analysis on your own, contact your insurance agent.

Safe travels!

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