Auto Glass Insurance – Which Type of Coverage Will Best Suit You?
Full auto glass insurance covers the full cost to replace or repair your damaged auto glass or windshield. You might also hear of this term as: Full windshield glass insurance. Windshield repair insurance too. Many insurance firms will let you add this onto your auto policy for only a couple of dollars per month. For many people, this is an affordable way to protect their investment and save themselves from the expense of repairs.
One important point to remember about full auto glass insurance coverage is that it has two deductible elements. These are the deductible and the maximum coverage on your policy. So if you were to damage your auto’s windshield, you would need to find a company that has a higher deductible. Many insurance companies allow a higher deductible and will raise the premium to reflect this higher risk associated with paying the deductible in the event of a claim. It’s important to know what these deductible amounts are before choosing a company. Often times the lower the premiums are on the basic policy the higher the deductible amounts.
There are some circumstances where adding a windshield repair or replacement deductible may help pay for the complete cost. If you were to hit a tree branch at high-rate of speed, the collision could crack your windshield. The resulting peeling and chipping might make it necessary to have the glass replaced. However, you could have the deductible to cover the cost of the new glass so you would not need to worry about this situation. This may help you save money.
Another situation to consider when looking for a full auto glass insurance coverage is if your vehicle has a customized windshield. Many vehicles today are made with a laminated windshield. This laminated glass can be damaged if you hit a tree branch or hit an object that was too large for the vehicle. You will need to purchase the full windshield replacement coverage to replace the damaged portion of the windshield. In many cases you can select the option of replacing only the windshield rather than the entire windshield.
Another circumstance to consider when looking for this type of insurance is if you live in a neighborhood that has a reputation for being unsafe. A cracked windshield can be a hazard to you and your family. Many insurers will offer you a discount if you have this type of comprehensive coverage. The amount of the discount will depend on the amount of windshield damage and the amount of liability coverage you choose.
There are two main choices you will have when choosing a full auto glass coverage. You can choose a deductible and choose to have a windshield replacement or repair. In many cases having the deductible will save you money since you will not need to replace the car. If you choose to repair the cracked windshield, you may need to increase your deductible. You will need to pay that deductible before the insurance company pays anything.
In addition to choosing a deductible and having a cracked windshield you should also keep in mind that many drivers choose to have full auto glass insurance coverage even though they do not have a lot of accidents or tickets. When you purchase insurance coverage you should make sure that it gives you the coverage you need. If you have comprehensive coverage, you can be covered for anything that happens to the car. You will also want to consider the amount of deductible that you have in this instance. The higher your deductible is the lower your monthly premium will be. It is important to remember to compare all of the insurance options you are given because there may be some good deals if you compare them correctly.
The reason full glass coverage is popular is due to the fact that people rarely have any accidents or tickets. In order to keep your insurance cost low, you should make sure that you do not have a lot of driving accidents or tickets. If you choose to purchase comprehensive insurance deductible you will be paying a lot less money each month than if you went with a high deductible. If you have a lot of money to spend each month and you have no problems finding good deals then you may want to consider this option.