White Wizard

Glass Coverage on your auto insurance

May 10, 2010 on 5:06 pm | In Category-less | No Comments

So, I just got an insurance quote today to see how much it would cost to get glass coverage on my auto insurance.

$35/year for glass coverage

Well, that seems reasonable, except that my comprehensive deductible is already set at $100 and my insurance will cover a windshield replacement as a comprehensive claim that doesn’t count against me.

$100/claim

So, at $35/year extra OR keeping my coverage @ $100/claim, I would need to replace my windshield more often than every 2.85 years to make the glass coverage worth it.  ($100/$35)

So, am I going to need a windshield replacement more often than every 2.85 years?

If I had only one car, I might say, “no”.

If I lived in a different state (one with less rocks ), I might say “no”.

But, I have two cars, and we live in a state with lots of rocks and dirt.  Besides, I walked around the block the other day and it seems that nearly half of the cars parked on the street had cracks in their windshield.

I suppose that given the reasons above, I’m leaning towards the side of getting the glass coverage.  Why?  Because I have 2 cars and potentially having to wait 5.7 years (2.85 years x 2 cars) between windshield replacement for each car .  We’ll see…