Quote:
Originally Posted by jhv48
I’m on my third windshield after more than 32,000 miles of driving. Windshield cracks are covered by your comprehensive insurance. That’s why I maintain a $250 deductible on my comprehensive insurance. Doesn’t matter to me how much spf charges for a windshield. I’m only out $250.
Some companies will let you go as low as no deductible but you need to weigh cost versus benefit.
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Except that comprehensive claims count against you as a claim. Your current company might not jack your rates for a comprehensive glass claim but if you change companies you will get surcharged. And it used to be three years, now it's 5 or 7 depending on who you go with. Is it really worth spending 200 more per year for 5 years for a 250 claim??? I'm increasing my deductibles to 1000 or more. How do I know? We were driving back to Colorado and went through a space where they had just chip sealed. Got some paint damage on the hood and a chip in the glass. Agent (who is a broker) said my current company doesn't but all the others just see it as a claim and surcharge accordingly.