Does Insurance Go Up After Windshield Replacement? Facts

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Windshield damage is probably one of the worst things to happen to a vehicle, yet it is also the most common thing to afflict them. Be it a small chink from a stray pebble or a large crack following some form of sudden impact, having to fix or replace your windshield becomes a necessity. However, atop every other concern at such times in a majority of people’s minds is whether their insurance rates will increase a windshield replacement. At Home Auto Glass clarifies these many concerns.

Understanding Auto Glass Insurance Coverage

If I Repair a Crack in My Windshield Will My Insurance Go Up?

For this question, it would be better to first understand how most of the auto insurance policies generally cover windshield repair or replacement. Maximum comprehensive auto insurance policies include repair or replacement coverage for damaged auto glasses but are usually restricted under certain clauses:

  • Comprehensive: The comprehensive coverage would generally pay for any type of damage not related to accidents, and this would include items like theft, fire, natural disaster, and broken windshields.
  • Deductibles: A deductible may apply to some policies for glass or windshield repairs, while other coverage options may include no deductible.
  • Claims and Premiums: Insurance companies take into account a range of factors when setting your premiums. Comprehensive claims are less likely to increase your premiums than collision claims, but this isn’t always the case.

What Factors Affect Insurance Rates After Windshield Replacement

Does Insurance Increase After Windshield Replacement?

There are several factors that can affect if your insurance will go up after windshield replacement:

  • Claim History: If your history paints you as a file hoarder, then your insurance company is going to look at you as high risk, hence the possible jump in premiums.
  • Type of Claim: Comprehensive-type claims—say, a windshield claim—tend to be way less likely than collision claims to cause a premium increase.
  • Insurance Company Policies: Insurance companies have different approaches to handling and adjusting claims. Know the specific guidelines of your insurer.

Frequency of Claims

Does Insurance Go Up After Windshield Replacement? One big thing is the number of claims. In case you have filed several claims within a limited period, you are seen to be a potential claimant, and this will, of course, lead to increased premiums. One claim for a windshield replacement does not really cause an increase in rates, especially when you have a good record of driving.

Policy Type

Your type of insurance policy also plays a crucial role. Comprehensive coverage typically covers windshield damage without significantly raising your premiums. However, with a high deductible, you may end up paying out-of-pocket for the replacement, which won’t increase your insurance rates.

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Mitigating the Increase of Your Insurance Rates

Why Choose At Home Auto Glass for your Windshield Replacement

Getting your windshield replacement from a reputable service provider like At Home Auto Glass means clean claims. There are quality repairs, the replacement is done properly, and the following are ways that work:

  • Reputable Service Providers: Dealing with a reputable company, such as At Home Auto Glass, ensures that a replacement is conducted properly and correctly—which means reducing the chances of future occurrences and claims.
  • Warranty and Guarantees: Most top-tier auto glass companies warranty their work. This can bring peace of mind and again reduce even the possibility of further claims being made.

No-Claim Repairs

Some insurance policies have a no-claim repair option. This means that for minor chips and cracks, the repair can be done without having to actually file a claim, therefore avoiding any possible implications on your premiums. Always be sure to check with your insurer to see if this is an option.

Speaking with Your Insurance Broker

Open communication with your insurance representative will help you determine what consequences there are for filing a windshield replacement type of claim. They can give you information tailored to your policy and even help you in making a proper decision.

Common Myths About Windshield Replacement and Insurance

Myth 1: All Claims Increase Premiums

Another commonly held myth is that insurance companies will increase your premiums for all claims. As noted above, the majority of comprehensive auto insurance claims, including windshield repair or replacement claims, will not affect your insurance premiums. It’s just important to draw a distinction between the type of claim and how that will affect your insurance rates.

Myth 2: Windshield Damage Is Covered

Another myth is that insurance doesn’t cover windshield damage. Most comprehensive auto insurance covers windshield repairs and replacements. The policy details can certainly differ so it is better to check for your coverage details and the specifics to get to know more.

Myth 3: DIY Repairs Are Just as Good

While do-it-yourself repair kits might be available for your windshield, they may not do the job as professional repair services do. An incomplete or incorrect repair can also lead to further damage and increase the chance of costly claims that are likely to raise your rates. Bringing in a professional like At Home Auto Glass assures that the job is done right and done safely.


Does Insurance Go Up After Windshield Replacement? There’s no way to give a blunt yes or no answer, honestly—it’s going to have a lot to do with your policy, claim history, and an insurance company’s practices. Learn about these factors, choose reputable service providers like At Home Auto Glass, protect yourself as much as possible from potential rate hikes, and rest assured that your vehicle is safe.

Although windshield replacement may not increase your insurance premiums to an extreme, it is necessary to be well-informed so you can easily navigate through this process. Always review the fine print of the policies, call your insurance representative, and select a reputable auto glass service for the best decisions on your car and your insurance policy.

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