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Posted: 7/2/2015 3:30:04 PM EDT
My insurance through Progressive has glass coverage with zero deducible and my windshield is cracked.
 Are they going to put my rates up if I claim it? Does anyone have experience with this? |
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Posted: 7/2/2015 3:30:32 PM EDT
[#1]
Depends on the provider. Some raise rates for that, some don't.
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Posted: 7/2/2015 3:32:54 PM EDT
[#2]
Doubtful. Insurance companies know these things happen and don't worry about them.
Ask your agent if you're worried, but if I were you I'd report it and get it replaced. BTW, State Farm allows for one windshield a year with zero deductible if replaced at one of their approved installers. |
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Posted: 7/2/2015 3:33:24 PM EDT
[#3]
my rates have never gone up.
Posted Via AR15.Com Mobile |
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Posted: 7/2/2015 3:33:45 PM EDT
[#4]
they should only raise the rates for at fault accidents
ETA: I just had my windshield replaced through progressive no change in rates except that after it cracked i changed my policy to $0 deductible glass coverage 
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Posted: 7/2/2015 3:34:29 PM EDT
[#5]
Call your insurance and ask them how it will affect you. I know many will repair a chip as it is cheaper than the eventual outcome, but for a crack it probably varies from company to company.
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Posted: 7/2/2015 3:40:54 PM EDT
[#6]
I didn't. But I have a 500 buck deductible and the total cost was 525.
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Posted: 7/2/2015 3:51:36 PM EDT
[#7]
If its longer than a dollar bill, you'll have to pay your deductible. If it isn't, it'll be free. At least that's how it was when I had Progressive.
I wound up just buying the windshield out of pocket. |
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Posted: 7/2/2015 3:52:56 PM EDT
[#8]
Never . With a little shopping windshields are about $200
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Posted: 7/2/2015 3:53:27 PM EDT
[#9]
Nope
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Posted: 7/2/2015 3:53:59 PM EDT
[#10]
We have State Farm and when we lived in Colorado, we were replacing the windshield in my wife's Corrolla every year. Our rates never changed and a couple of times we got refund checks.
YMMV |
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Posted: 7/2/2015 3:54:09 PM EDT
[#11]
Usually glass repair is free. If it can't be repaired, the replacement incurs deductible unless you specifically have auto glass coverage in which case there may be no deductible.
My rates have NEVER gone up for windshield repair or replacement. YMMV |
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Posted: 7/2/2015 3:54:15 PM EDT
[#12]
Windshields are a 0 deductible fix here in FL.
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Posted: 7/2/2015 3:55:34 PM EDT
[#13]
Call your agent, most states Comp claims are not ratable. Depending on coverage it may be a "free" Fix.
While in others it's different. |
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Posted: 7/2/2015 3:56:02 PM EDT
[#14]
Nope, but I only carry liability anyway.
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Posted: 7/2/2015 3:59:16 PM EDT
[#15]
Call your insurance company for their recommended glass guy. Most glass places really fuck insurance companies in the ass, some charging as much as four times the actual cost. That is how they give you free meals and other promotions for your install, they are fucking the insurance.
100% glass is almost a standard offering in AZ. Geico is optional. It has nothing at all to do with comprehensive coverage here. You can carry $1000 deductible and still have 100% glass coverage. They won't jack your rates for one windshield per year. If it is a small chip, you may be able to repair it with a $10 kit from WalMart. I repaired about 5 chips with one kit and still had some left. |
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Posted: 7/2/2015 3:59:36 PM EDT
[#16]
Quote HistoryQuoted:
Call your agent, most states Comp claims are not ratable. Depending on coverage it may be a "free" Fix. While in others it's different. Full coverage in Va got me one. Rates haven't changed. |
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Posted: 7/2/2015 4:03:03 PM EDT
[#17]
In SC, it's the law to cover windshields with no deductible, and they may even not be allowed to raise rates as a result.
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Posted: 7/2/2015 4:04:39 PM EDT
[#18]
They said it's only covered with a deductible. That answers that question I suppose. Yay $550 was my first quote
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Posted: 7/2/2015 4:04:56 PM EDT
[#19]
You paid for that provision of your policy. It would be irrational not to use it.
Posted Via AR15.Com Mobile |
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Posted: 7/2/2015 4:06:07 PM EDT
[#20]
Quote HistoryQuoted:
Depends on the provider state. Some forbid insurance co to raise rates for that, some don't. FIFY. Seriously. Some, like Florida, also mandate zero deductible and NO out of pocket expense for windshield replacement. You need to check on the rules in your state instead of asking here. Try the Hometown forum. |
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Posted: 7/2/2015 4:06:21 PM EDT
[#21]
Depends upon your policy coverage.
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Posted: 7/2/2015 4:06:25 PM EDT
[#22]
I've been with State Farm for years and have replaced a few windshields and it's never cost me a dime. They typically want it to be an issue where the crack is at eye-level. Outside of that, I've never had any push-back at all. I call up there and tell them it's cracked and they make the initial contact with the vendor of their choice. The vendor calls me (or my wife, depending on the vehicle) and sets up the appointment. As far as insurance transactions go, it is a simple process with no negative impact.
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Posted: 7/2/2015 4:09:08 PM EDT
[#23]
Quote HistoryQuoted:
You paid for that provision of your policy. It would be irrational not to use it. Posted Via AR15.Com Mobile |
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Posted: 7/2/2015 4:10:28 PM EDT
[#24]
I have had a negative impact with mine....
I had progressive and Geico. Claimed glass repair with both of them on two different vehicles one year. (2 claims total) I then switched both cars to state farm since it was cheaper. Got $0 comprehensive coverage deductible. 6 months later I got a letter saying that because I had too many claims in a short time period, they were kicking me off the $0 deductible and onto a $500 deductible. SO.... keep that possibility in mind. |
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Posted: 7/2/2015 4:13:47 PM EDT
[#25]
I have the same thing with geico . I fixed 2 side windows a year ago and my winshield last week
My rates never went up |
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Posted: 7/2/2015 4:29:43 PM EDT
[#26]
Quote HistoryQuoted:
In SC, it's the law to cover windshields with no deductible, and they may even not be allowed to raise rates as a result. Yeaaaa. It's free Obama dollars - bc of that law, you aren't paying for it... |
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Posted: 7/2/2015 4:31:41 PM EDT
[#27]
Quote HistoryQuoted:
They said it's only covered with a deductible. That answers that question I suppose. Yay $550 was my first quote wtf you have $0 glass deductible the agent you were talking to is a moran |
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Posted: 7/2/2015 4:48:59 PM EDT
[#28]
Quote HistoryQuoted: wtf you have $0 glass deductible the agent you were talking to is a moran Quote HistoryQuoted: Quoted: They said it's only covered with a deductible. That answers that question I suppose. Yay $550 was my first quote wtf you have $0 glass deductible the agent you were talking to is a moran Apparently it is like the other poster here said, the crack is longer than the size of a dollar bill, so it isn't covered  |
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Posted: 7/2/2015 4:50:16 PM EDT
[#29]
Cheapest place I could find is a local dealer with a decent reputation for 430. Oh well I guess
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Posted: 7/2/2015 5:01:47 PM EDT
[#30]
Quote HistoryQuoted:
Apparently it is like the other poster here said, the crack is longer than the size of a dollar bill, so it isn't covered
Quote HistoryQuoted:
Quoted:
Quoted:
They said it's only covered with a deductible. That answers that question I suppose. Yay $550 was my first quote wtf you have $0 glass deductible the agent you were talking to is a moran Apparently it is like the other poster here said, the crack is longer than the size of a dollar bill, so it isn't covered
That's weird. My state gives full coverage. Zero deductible, zero increase. Just get someone to swap out the windshield. But then it gets so hot here, the expansion and shrinking of windshields create cracks quite constantly. I've only had to replace once. |
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Posted: 7/2/2015 5:22:31 PM EDT
[#31]
I have AAA and have replaced a couple of windshields.
No issue and my rate never changed |
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Posted: 7/2/2015 5:28:53 PM EDT
[#32]
Quote HistoryQuoted:
Yeaaaa. It's free Obama dollars - bc of that law, you aren't paying for it... Quote HistoryQuoted:
Quoted:
In SC, it's the law to cover windshields with no deductible, and they may even not be allowed to raise rates as a result. Yeaaaa. It's free Obama dollars - bc of that law, you aren't paying for it... No, "free" glass means you're paying for it whether or not you get the glass... So get the glass.
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Posted: 7/2/2015 5:31:57 PM EDT
[#33]
My insurance company (USAA) has windshield replacement coverage where I don't pay a cent. Specially good out here in AZ, where I drive on highways and Already had to replace my windshields twice; once on my old 350Z and another one on my Accord. Safe-lite actually did the Accord and they came to my apartment and did it all in an hour and no cash out of my pocket.
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Posted: 7/2/2015 5:32:35 PM EDT
[#34]
Tried. It was below my deductible so they didn't cover it.
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Posted: 7/2/2015 5:34:57 PM EDT
[#35]
Some plans have zero deductible for glass. Plus, it's not going to raise your premium since it's not an accident where you're at fault.
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Posted: 7/2/2015 5:37:29 PM EDT
[#36]
Windshields are only about $200, so why even bother.
Eta: $430, yikes. |
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Posted: 7/2/2015 5:48:10 PM EDT
[#37]
Here in Michigan any remotely boxy car will be lucky to make it a year without a cracked windshield. I swear the glass companies pay construction trucks to drive around a sprinkle fucking rocks out going down the highway. Between that and salt season it's dildos NOT to have a zero ded glass policy.
We get totally fucked by no fault insurance. Goddamn right I'm claiming the glass. |
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Posted: 7/2/2015 6:34:45 PM EDT
[#38]
Quote HistoryQuoted:
Yeaaaa. It's free Obama dollars - bc of that law, you aren't paying for it... Quote HistoryQuoted:
Quoted:
In SC, it's the law to cover windshields with no deductible, and they may even not be allowed to raise rates as a result. Yeaaaa. It's free Obama dollars - bc of that law, you aren't paying for it... I don't know about there, but here you can elect not to have glass coverage and there IS a price difference in the policy. It's just that by state law glass is zero deductable. |
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Posted: 7/2/2015 6:59:00 PM EDT
[#39]
I had crack coverage under Geico, got a stone hit on my new car, less than 300 miles!!!!!!! Went online, scheduled a repair for the next day, the windshield outfit came out and fixed it up real nice, it didn't go away but it was much less noticeable, no muss, no fuss, easy peasy. No change in rates with Geico.
The car insurance companies have this windshield repair down pat, very well organized with no deductibles with most companies. If you need a full replacement you have a deductible, but a repair, no deductible. |
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Posted: 7/2/2015 7:02:35 PM EDT
[#40]
I have had lots of cracked windshields.
I always paid for them myself. I was worried about turning it in and having my rates raised or even being dropped. That is, until I had two broken windshields at the same time. I called my insurance company (I don't remember what one) and told them. They said, don't worry about it, we expect you to turn in two cracked windshields a year. 
The guy came out and changed out both windshields in about an hour in my driveway while I saw inside on my ass and it cost me nothing. |
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Posted: 7/2/2015 7:04:51 PM EDT
[#41]
My rates went up from a windshield claim. I was pissed off for the 3 years the claim took to come off my record. Should have paid the $80 cash to the Crack company.
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Posted: 7/2/2015 7:06:58 PM EDT
[#42]
Quote HistoryQuoted: Call your agent, most states Comp claims are not ratable. Depending on coverage it may be a "free" Fix. While in others it's different. |
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Posted: 7/2/2015 7:06:59 PM EDT
[#43]
Quote HistoryQuoted: FIFY. Seriously. Some, like Florida, also mandate zero deductible and NO out of pocket expense for windshield replacement. You need to check on the rules in your state instead of asking here. Try the Hometown forum. Quote HistoryQuoted: Quoted: Depends on the provider state. Some forbid insurance co to raise rates for that, some don't. FIFY. Seriously. Some, like Florida, also mandate zero deductible and NO out of pocket expense for windshield replacement. You need to check on the rules in your state instead of asking here. Try the Hometown forum. The problem is that they still count it as a claim, if you switch carriers down the road it'll be counted against you. |
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Posted: 7/2/2015 7:08:02 PM EDT
[#44]
Lived in Colorado.
Replaced windshield 3 times in two years. |
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Posted: 7/2/2015 7:09:18 PM EDT
[#45]
I would not think they would raise your rates unless you have made several claims.
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Posted: 7/2/2015 7:10:51 PM EDT
[#46]
Quote HistoryQuoted: wtf you have $0 glass deductible the agent you were talking to is a moran Quote HistoryQuoted: Quoted: They said it's only covered with a deductible. That answers that question I suppose. Yay $550 was my first quote wtf you have $0 glass deductible the agent you were talking to is a moran |
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Posted: 7/2/2015 7:20:02 PM EDT
[#47]
Quote HistoryQuoted:
If its longer than a dollar bill, you'll have to pay your deductible. If it isn't, it'll be free. At least that's how it was when I had Progressive. I wound up just buying the windshield out of pocket. In VA, it's over 1 1/2". Liberty Mutual didn't raise mine. |
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Posted: 7/2/2015 7:26:39 PM EDT
[#48]
Well, the Windshield is on order. Hopefully I don't get pulled over in the mean time
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Posted: 7/2/2015 7:35:21 PM EDT
[#49]
1. It's not going to go up unless you keep getting windshields replaced.
2. You should find a new company. The name "Progressive" is a hint. |
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Posted: 7/2/2015 7:37:05 PM EDT
[#50]
USAA here. It's literally the only thing I've ever used my auto coverage for. Hasn't affected the rate at all.
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