How often have you had to replace your windshield?
August 26, 2013 11:28 AM Subscribe
The cost of replacing my cracked windshield will be out of my own pocket because it's less than my insurance's deductible. Is this likely to happen again, and is it therefore worth paying for a lowered deductible?
posted by Greg_Ace to Grab Bag (31 answers total)
This past weekend, a rock hit my windshield leaving a big impact mark and long radiating cracks...too big to be repaired and the windshield definitely needs replacing. While researching the best auto-glass place/price, I found a couple forums where some people claimed they've had to replace their windshields two or three times - this is on street cars, not offroad vehicles. In those same forums, more than one person mentioned paying a bit more for insurance to get the windshield-replacement deductible lowered to $0.
Now I'm wondering whether I've lived a charmed life up to now, windshield-wise; I've been driving 37 years, and this is the first time this has ever happened to me. So my question is this: is windshield damage and replacement statistically common enough to warrant raising my insurance to lower my deductible, assuming my insurance company even offers that? Or is this a rare enough occurrence that I'm better off paying out of my own pocket if - by unlikely chance - it does happen again? All I can find online about this topic is by Jeep owners, who I assume take their car offroad where it's more likely for stuff to hit and break windshields.