You are subject to your comprehensive deductible if you make a glass claim as it’s considered a comprehensive claim. As of this date, Arizona is one of the 5 states providing an optional $0 glass deductible coverage for insurance claims made for window cracks, windshield replacement and glass chip repair.

This additional $0 deductible auto glass coverage costs between $20 to $75 for 6 months and depends on the comprehensive deductible amount. States that don’t offer a $0 deductible glass coverage have a glass buyback optional coverage where the client can buy down their glass deductible to about $100. This way the client can afford a higher comprehensive deductible and offset any auto glass windshield replacement costs.

Tip: If you get involved in an accident with glass breakage, make sure the adjuster provides collision deductible coverage so that you needn’t pay an additional comprehensive deductible. Never pay extra deductibles. If required, contact your agent for help.

It’s mainly because legislators consider it a safety issue as they believe cheaper glass repair costs will prevent drivers from driving around with a broken windshield. These states offer the $0 glass deductible and glass buyback insurance coverage options.

Before the $0 glass deductible and glass buyback optional coverage existed, consumers had low comprehensive deductibles like $100 to use for a chip or broken windshield. The new coverage option lets clients carry a higher comprehensive deductible for other claims with a cheaper coverage for most common glass claims. So insurance companies separated glass claims from other usually larger comprehensive claims like stolen car, fire and vandalism.

Today, clients prefer carrying a lower comprehensive deductible as the premium difference for preferred clients is minimal. For example, there’s only a $15 price difference between $100 and $500 deductible for six months.

As auto glass windshield replacement and chip repair are considered comprehensive claims, your rates should not increase like ‘at-fault accident’ claims will. Based on who your auto insurance is with, you may become ineligible for a discount after so many glass claims and once the discount is removed, your auto insurance premium may increase.

The number of glass claims you can make in a year depends on your insurance company. If you make too many claims, you may receive a letter stating that according to underwriting, you were no longer eligible for glass coverage. While this is the same situation seen with towing coverage, all insurance companies are different.

Making money is insurance companies’ business but as they can’t cancel policies unless it’s for nonpayment of premium in most states, they remove the coverage. Someone told us that their Arizona auto insurance agent told them their auto policy would get cancelled if they put in too many glass claims.

This doesn’t make sense as Arizona is a guaranteed auto insurance renewal state. It’s better to check the Department of Insurance website if you have questions and ask your agent questions. Never assume they know everything. For your safety’s sake, have everything in writing like an email as it’s difficult arguing with email trails.

So make an informed decision to replace or repair your auto windshield the next time a rock hits your windshield and causes a chip or window crack. We can repair or replace your auto glass quickly and professionally at the best rates available.

We at Safe Glass Inc. provide fast and expert service for all vehicles and glasses, be it a domestic or foreign vehicle. We offer mobile services of repairing and installing your auto glass on your site all year round.

We are certified Dow Automotive Installers with a lifetime warranty for OEM glass and expert craftsmanship. We assure you same or next day turnaround for the best value of your money. We practice strict quality control using the finest adhesives from DOW and the most reliable factory installation methods.