Is it cheaper to replace windshield without insurance?
Replacing a damaged windshield can be a stressful experience, especially when you're trying to decide whether to use your insurance or pay out of pocket. At Kevin's Autos, we’ve seen countless customers face this dilemma, and the answer often depends on several factors, including the cost of the replacement, your insurance policy, and your deductible. Let’s break it down to help you make an informed decision.
Factors That Affect Windshield Replacement Costs
The cost of replacing a windshield can vary widely depending on the make and model of your vehicle, the type of glass used, and whether you opt for original equipment manufacturer (OEM) glass or aftermarket glass. Here are some key factors to consider:
- Vehicle Type: Luxury vehicles or those with advanced driver-assistance systems (ADAS) often require more expensive windshields and recalibration services.
- Glass Type: OEM glass is typically more expensive than aftermarket glass but may be required for certain vehicles to maintain warranty or functionality.
- Labor Costs: The expertise and time required for installation can also impact the overall cost.
When Paying Out of Pocket Might Be Cheaper
In some cases, replacing your windshield without insurance can actually save you money. Here’s why:
- High Deductibles: If your insurance deductible is higher than the cost of the replacement, it makes more sense to pay out of pocket.
- Avoiding Premium Increases: Filing a claim for windshield replacement could lead to higher insurance premiums, especially if you’ve had other recent claims.
- Discounts for Cash Payments: Many auto repair shops, including Kevin's Autos, offer discounts for customers paying cash, which can reduce the overall cost.
When Insurance Is the Better Option
On the other hand, there are situations where using your insurance is the smarter choice:
- Comprehensive Coverage: If your policy includes comprehensive coverage with a low or zero deductible for glass repair, insurance is the way to go.
- Expensive Repairs: For high-end vehicles or windshields with ADAS features, the replacement cost can be significant, making insurance a better option.
Tips for Saving on Windshield Replacement
Whether you choose to use insurance or pay out of pocket, here are some tips to help you save:
- Shop Around: Get quotes from multiple repair shops to find the best price.
- Ask About Warranties: Ensure the replacement comes with a warranty for peace of mind.
- Consider Mobile Services: Mobile windshield replacement services can save you time and money by coming to your location.
Conclusion
Ultimately, whether it’s cheaper to replace your windshield without insurance depends on your specific circumstances. At Kevin's Autos, we recommend evaluating your insurance policy, deductible, and the cost of replacement before making a decision. If you’re unsure, give us a call, and we’ll be happy to provide a quote and help you weigh your options. Remember, a clear and intact windshield is essential for your safety on the road!
Frequently Asked Questions
How can I save money on a windshield replacement?
8 Ways to Lower Your Windshield Replacement Bill
- Work with Your Insurance Company.
- Get Your Auto Glass Repaired ASAP.
- Look for Complimentary Mobile Services.
- Shop for Quotes.
- Search for Shops that Offer Warranties.
- Avoid Aftermarket Parts.
- Avoid DIY Repair Kits.
- Practice Safe Prevention.
Does AAA replace windshields for free?
Yes, AAA will pay for windshield replacement or repair services for customers who have comprehensive coverage, though a deductible will apply unless state laws or policy details say otherwise. Comprehensive insurance from AAA covers windshields damaged by weather, vandalism and theft, among other things.
How much does a windshield cost to replace without insurance?
Average Cost of Windshield Replacement Without Insurance
On average, the cost of windshield replacement for a standard non–ADAS equipped vehicle is typically between $210 to $500. When it comes to ADAS-equipped vehicles, the price can be higher, reaching up to $1500.
Will my insurance go up if I claim for a windshield?
Filing an Auto Glass Claim May Impact Your Insurance Rate
Any time you file an auto insurance claim – even for auto glass repair or replacement – your insurance provider has the option of increasing your rate. While a single claim may not generate a rate spike, several may.
Will my insurance go up for a windshield replacement?
Will your car insurance rates go up if you file a claim for a broken windshield? Glass claims are covered under comprehensive coverage. Generally, comprehensive claims do not increase your rates. Some companies give a ““claim-free discount”.
Is it better to replace a windshield with or without insurance?
In general, it's worth filing a claim for glass or windshield damage if the repair cost is higher than your car insurance deductible. For example, if your windshield replacement costs $400 and your deductible is $250, you'll only pay $250, and your insurer will pick up the remaining $150.
Why is it so expensive to replace windshield?
What was once a straightforward and inexpensive repair often exceeds $1,000. Advanced tech in newer model cars makes windshield replacement expensive. Aligning cameras and sensors helps ensure advanced safety features work correctly, but the calibration adds to the windshield replacement cost.
Does a windshield replacement make my insurance go up?
Any time you file an auto insurance claim – even for auto glass repair or replacement – your insurance provider has the option of increasing your rate. While a single claim may not generate a rate spike, several may. Generally, the more claims you file, the greater your chances of incurring a higher monthly bill.
Will my insurance go up for a cracked windshield?
Filing an Auto Glass Claim May Impact Your Insurance Rate
Any time you file an auto insurance claim – even for auto glass repair or replacement – your insurance provider has the option of increasing your rate. While a single claim may not generate a rate spike, several may.
How to get your windshield replaced for free?
In a few states, insurance companies are required to waive the deductible for windshield replacement. This supports driving safety by allowing motorists to have damaged glass replaced promptly by an auto glass specialist at no cost.
