Windshield Replacement: Insurance vs. Out-of-Pocket Payment
Key Takeaways:
Using insurance is often the best option for windshield replacement.
Windshield replacement claims do NOT increase your insurance rates or cause cancellation.
Very Smooth Auto Glass works with all auto insurance companies and handles your claims process.
Out-of-pocket costs may make sense if you have a high deductible, no comprehensive coverage, or a minor windshield crack.
Consult a repair company before deciding—Very Smooth Auto Glass offers free mobile service and expert guidance.
Why Your Best Bet Is Using Insurance
Imagine you’re driving down Highway 65 near Rocklin when crack!—a rock flies up and leaves a small chip in your car windshield.
A few hours later, that small crack starts spreading.
Now, you’re facing a broken windshield that needs a full windshield replacement.
Do you pay out-of-pocket, or should you file a glass claim with your auto insurance policy?
At Very Smooth Auto Glass, we know that using your insurance is often the best choice. Many drivers hesitate, worrying about a rate increase or complicated claims process—but the good news is that windshield insurance coverage is designed to help replace a cracked windshield without increasing your auto insurance rates.
Before deciding, it’s best to speak with an auto glass expert to understand your options. Here’s everything you need to know.
When Does Car Insurance Cover Windshield Replacement?
Insurance Coverage for Windshield Damage
Your auto insurance coverage may include windshield replacement insurance for vehicle owners if you have:
✅ Comprehensive coverage – Covers damage from road debris, a tree branch, weather, or vandalism (subject to your comprehensive deductible).
✅ Full glass coverage – An additional option covering windshield repair and replacement with no deductible.
✅ Collision insurance – Collision coverage only covers windshield replacement if the damage occurs in a car accident, and you’ll need to pay your collision deductible.
Will Filing a Windshield Claim Increase My Insurance Premiums?
🚨 NO! Unlike accident claims, auto insurance companies classify glass claims as no-fault, meaning they won’t cause a rate increase or policy cancellation.
🔹 At Very Smooth Auto Glass, we work with all auto insurance providers and handle the claims process for you, making it hassle-free. (Learn about our auto glass services here)
When Should You Pay Out-of-Pocket for Windshield Replacement?
Even though using your car insurance policy is usually a good idea, some drivers may choose to cover the cost of repair themselves.
Reasons to Pay Out-of-Pocket
1️⃣ You don’t have full coverage.
If your auto insurance policy only includes liability insurance, it won’t cover the repair cost of a windshield replacement.
2️⃣ You have a high deductible.
If your comprehensive deductible is $2500, but your new windshield costs $1000, it’s not worth filing a claim.
However, many auto insurance providers offer full glass coverage, eliminating out-of-pocket expenses.
3️⃣ Your windshield only has minor damage.
Suppose you have small cracks or a small chip. In that case, your car insurance company will likely waive the deductible and allow the repair company to fix it free of charge.
💡 Still unsure? Talk to a an auto glass shop like Very Smooth Auto Glass first! At Very Smooth Auto Glass, our experts help you compare out-of-pocket costs vs. using your auto policy so you can make the right decision.
How Much Does Windshield Replacement Cost?
If you’re considering paying out-of-pocket, the average cost of a windshield is between $300 and $3000+, depending on your vehicle’s year, make, and model.
💡 The best part? If you have full glass coverage, your windshield replacement may be completely free!
Why You Should Talk to an Auto Glass Expert First
🚘 Before deciding whether to use insurance or pay out-of-pocket, consult an expert.
At Very Smooth Auto Glass, we:
✔ Assess whether minor damage, such as a small chip or windshield crack, can be repaired instead of replaced.
✔ Compare out-of-pocket costs vs. using insurance.
✔ Handle the entire claims process for you.
✔ Offer the best customer service in the Greater Sacramento Region with over 150 5-star reviews on Google and Yelp.
✔ Offer FREE mobile auto glass service—so we come to you! (Book an appointment)
💡 Most insurance companies require you to use an approved repair shop. We work with all insurers to get you back on the road fast!
Why Choose Very Smooth Auto Glass?
🔹 Trusted for Over 25 Years – Experienced technicians, certified and insured.
🔹 We Handle the Insurance Process – No paperwork or stress for you!
🔹 Top-Quality Glass & Materials – Ensuring the structural integrity of your car windshield for safe driving.
🔹 We Use the Latest Safety Features – Our OEM glass maintains your car’s built-in safety features, like rain sensors and lane assist.
🔹 Free Mobile Service – Replace your broken windshield at home, work, or wherever you are!
🏆 See why Sacramento drivers trust us! Get a free quote.
Should You Use Insurance or Pay Out-of-Pocket?
The Best Choice: Use Insurance If You Can
✔ You have comprehensive or full glass coverage.
✔ Your deductible is lower than the cost of repair.
✔ You want a hassle-free, little to no-cost solution.
Pay Out-of-Pocket If:
✔ You only have liability insurance.
✔ Your deductible is higher than the cost of repair.
🚗 Still not sure? Call Very Smooth Auto Glass, and let us help you decide!
Final Thoughts
When it comes to windshield replacement insurance vs. out-of-pocket, using insurance is usually the best option—especially if you have comprehensive coverage or full glass coverage.
At Very Smooth Auto Glass, we make the process easy:
✔ We work with all insurers.
✔ We handle all paperwork.
✔ We come to you with FREE mobile service.
📞 Need a windshield replacement? Call us today for a free estimate! (Get started here). Our clients
FAQs
Q1: Does car insurance cover windshield damage?
A: Yes, if you have comprehensive or full glass coverage. Some policies cover it with no deductible!
Q2: How much does a windshield replacement cost?
A: The average cost ranges from $300 to $3000, but insurance may cover it for free.
Q3: Will filing a windshield claim increase my insurance rates?
A: No! Windshield claims do not cause rate increases or policy cancellations.