Money Saving Tips: Is Auto Glass Replacement Coverage Worth the Cost?

auto glass replacementIf you have comprehensive auto insurance chances are you also have auto glass replacement coverage. This can be in the form of a separate rider or included in the comprehensive insurance policy and adding this coverage to your auto insurance policy can add anywhere from $100 to several hundred dollars per year. We will have to dig a little deeper to determine if auto glass replacement coverage is worth the cost.

There are several factors we need to take a look at: deductible, replacement cost, and frequency of replacement. The average cost to replace a glass windshield is between $150-$400 depending on your vehicle make so if your deductible is over $500 you will most likely be paying the entire replacement cost.

Let's assume glass coverage costs $100/year and it is costing you $200 to replace a windshield and $50 to repair chips. A typical scenario might involve repairing a single window chip every 2 years and replacing a windshield every 3 years.

Typical Scenario (4 Years)

Cost of Chip Repairs – $50 x 2 = $100

Cost of Windshield Replacement – $200 x 1 = $200

Cost of Glass Coverage – $100 x 4 = $400

Total glass repair cost over 4 years is $300 versus cost of full glass coverage of $400 so you can save $100 by dropping the glass coverage and paying for the work out of pocket. Of course the savings depends on the make and model of your vehicle and the number of repairs you have over the comparison time period. You can save even more on repair cost by bringing your vehicle to the repair shop and avoid the mobile service fee which is typically $25.

Insurance provides protection against unforeseen events and if you are not comfortable with assuming the risk of being responsible for the loss, then it may be worth the added cost of insurance premiums to you.

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14 Responses to Money Saving Tips: Is Auto Glass Replacement Coverage Worth the Cost?

  1. 02/01/2014 at 6:07 pm #

    I think that most of us don’t need this type of auto insurance including glass repair. I have hardly ever had a chipped windshield and I haven’t ever had to replace my windshield. It seems that most of us are getting taken when we buy glass coverage as part of our auto insurance.

  2. zimmy 01/17/2014 at 11:02 am #

    I have somehow managed to managed to make it to 41 years old without ever having so much as a crack in a windshield of any vehicle I have ever owned. I guess you would think it was a good idea at the time it was needed but not if you never use it.

    • Paul 01/18/2014 at 11:26 am #

      As with any type of insurance you have to weigh the risk against the cost of the coverage. In Phoenix, we have so many construction trucks traveling our highways it is not uncommon to get at least 1 or 2 chips a year. Consider yourself lucky zimmy!

  3. jonnypean 01/12/2014 at 11:19 pm #

    Yeah… that might also be the case, will check for sure. Thanks mate. 🙂

  4. Daisy @ Prairie Eco Thrifter 01/10/2014 at 7:26 am #

    When my fiance and I were still in the dating stages, we were driving in his car to dinner one time and out of nowhere something really hard fell on his window and shattered it to pieces. His deductible was $500 but it only cost $300 to replace, so he did that. We think a kid may have thrown a rock at the car.

  5. jonnypean 01/09/2014 at 11:39 pm #

    Thanks Paul for sharing all these details. Though I have a car insurance of a decent amount, never thought of a coverage like this; will definitely ask for this one to my insurer.

    • Paul 01/11/2014 at 6:34 pm #

      You may already being paying for this coverage, it may be a good idea to check with your insurance agent.

  6. Brick By Brick Investing | Marvin 01/06/2014 at 4:16 pm #

    Great info for chip windows, a lot of wasted money if you get the insurance.

    • Paul 01/06/2014 at 6:29 pm #

      For most it probably is unnecessary however, it depends on how often you replace your windshield or windows.

  7. Squirrelers 01/03/2014 at 3:00 pm #

    Thanks for the mention!

    You know, I’ve never even thought of this particular type of insurance coverage. It’s interesting how many different options we have in terms of insurance.

    • Paul 01/05/2014 at 8:42 am #

      We were glad to include your post Ray!

  8. Untemplater 01/03/2014 at 1:15 am #

    I hate those chips in the windshield. Those are easy to get up in the mountains because there are so many rocks in the road too. I never thought about insurance covering those things, makes sense they would offer that though!

    • Paul 01/05/2014 at 8:36 am #

      Glass replacement coverage may or may not be worth it for you Sydney, you would have to run the numbers!

  9. Moneycone 12/30/2013 at 9:44 am #

    Math well done! I need to check if I even have this coverage! Ah… the fine prints!

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