Repairing a windshield can be expensive depending on the severity of damage. If you’re like most drivers, you want to know if your car insurance covers a chipped windshield.
- 1 Does Car Insurance Cover a Chipped Windshield?
- 2 Will Filing a Claim Affect Your Premium?
- 3 Can the Windshield Be Repaired?
- 4 Filing a Claim
- 5 What Are the Benefits of Car Insurance?
- 6 How Can You Get the Best Car Insurance?
- 7 Does My Credit Score Affect My Insurance Rate?
- 8 Obtaining Auto Insurance Online
Does Car Insurance Cover a Chipped Windshield?
Yes, car insurance covers a chipped windshield, but only if you have comprehensive coverage. Repairing a windshield is less expensive than replacing an entire windshield. Don’t wait until the last moment to repair your windshield. The smallest chip today can expand into a massive chip or crack within a few days.
Will Filing a Claim Affect Your Premium?
Whether filing a claim will affect your premium depends on where you live and the specifics of your policy. In some states, insurance companies are not permitted to apply a deductible. It’s a good idea to check with your insurance agent whether there is a deductible for glass repair.
Can the Windshield Be Repaired?
The first thing you need to do is figure out whether your windshield needs to be repaired or replaced. Windshield chip repair is a feasible option, but only when the crack is less than six inches. If the chip or crack in the windshield is larger than six inches, your entire windshield will need to be replaced.
Filing a Claim
If your windshield repair is covered by your insurance, and you’re satisfied with filing a claim, you need to contact your insurance company to begin the claims process. Depending on your insurance company, you may be able to start the claims process from your account online. Once the claims process begins, your insurance company will determine if you have a valid claim. Your insurance company may also be able to suggest a repair shop. If you prefer, you can choose a different repair shop than the one your insurance company suggests. If you are choosing to seek repair services outside of your insurance company’s suggestion, make sure you keep the receipt to give to your insurance company, and any other additional information that may be required.
What Are the Benefits of Car Insurance?
Car insurance is required in all states, but each state has their minimum coverage requirements. The state requirements are the minimum amount of coverage you can have to legally drive in that state.
Protection from Loss
Every day you get in your car, regardless of your destination, you are at risk of being in an accident. Some accidents are minor, while other accidents can be major, and result in the total loss of your vehicle. Without proper and adequate car insurance, you will be paying out-of-pocket for the expenses that are associated with the accident.
Safeguards Against a Lawsuit
Whether you are or are not responsible for an accident, having an active car insurance policy ensures you don’t experience a major loss, such as your home. When you have auto insurance, this coverage will help with legal fees and help with the claims that other drivers make against you.
Peace of Mind
Having an active car insurance policy gives you peace of mind. You know you’re taken care of in the event you are involved in an accident, whether the accident is your fault or not. Having peace of mind is priceless.
How Can You Get the Best Car Insurance?
Getting the best car insurance depends on your needs. Auto insurance quotes can be obtained online, over the phone, or in an insurance company building.
It’s best to compare at least three quotes from different auto insurance companies to make sure you are getting the best deal. When you’re comparing quotes, make sure you consider the price, the available coverage options, and available discounts. You also want to make sure you are choosing an insurance company that offers insurance in your state.
Does My Credit Score Affect My Insurance Rate?
Yes, your credit score affects your insurance rate. Insurance companies use your credit score to determine your risk of being insured. Drivers with a high credit score have lower insurance rates than drivers who have poor credit. Drivers who have less than average credit pay more than $2,000 in insurance premiums to insure two cars.
Obtaining Auto Insurance Online
Most drivers opt to obtain auto insurance online because it is convenient. You can get insured without leaving the comfort of your home. Most, if not all insurance options are offered online, including roadside assistance and towing and labor. You can obtain the state’s minimum coverage, liability, collision, and comprehension coverage for one or multiple vehicles. If your insurance company offers different insurance policies, you can also obtain those insurances online and pay your bill.
Every driver, regardless of the state you live in, must have auto insurance. The amount of coverage you have depends on how much insurance you think you need in addition to the state’s minimum requirements.