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Broken Windshield

May 25th, 2017 at 01:22 pm

During my husband's travels to school on Sunday, the windshield on his truck was hit by a rock. It eventually resulted in a crack as the trip progressed.

We won't claim this on our insurance as we have a $1000 deductible. I did start the process through USAA who contracts with Safelite for repairs which is where I saw that the windshield would cost $300. I was close to scheduling it, but decided to see if Safelite offered coupons or discounts. Instead I found a local shop that gave an online quote of $197! That is a huge savings.

I'm calling to today to see if we can get our vehicle in on Saturday while he is home, otherwise it will need to wait.

Of course, I'm not thrilled about paying for a windshield, but this is a reason to have savings! And it does pay to shop around when needing repairs. Smile

Posted in Spending | 8 Comments »

8 Responses to “Broken Windshield”

  1. Laura S. Says:
    May 25th, 2017 at 01:37 pm 1495715865
    1495715865

    My deductible doesn't come into play for a windshield. I know it can vary, but I would check. In Florida it was $0 and in NH it was $50.

  2. Liz Says:
    May 25th, 2017 at 02:49 pm 1495720144
    1495720144

    I had to have my windshield replaced a few years ago thanks to a flying rock on the highway. Thankfully, my insurance has full glass coverage (which i wasn't aware of, and don't pay any extra for). Safelite is who they contract out with as well. They came to me! Not sure if it's market specific or costs more but definitely worth looking into since he's on the move. It only took about 30 minutes start to finish which was nice.

  3. My English Castle Says:
    May 25th, 2017 at 02:51 pm 1495720279
    1495720279

    That's true on our deductible as well. But nice savings, CCF!

  4. creditcardfree Says:
    May 25th, 2017 at 02:52 pm 1495720351
    1495720351

    Laura, it does come into play that is why I wrote the post that way because I already checked. I was figuring a claim and that is how it worked out. I could either pay $1000 or $300. It makes no sense to file a claim. Now our insurance would cover a chip or crack less than 6 inches in full.

  5. creditcardfree Says:
    May 25th, 2017 at 02:55 pm 1495720540
    1495720540

    I'm kind of glad our insurance doesn't cover glass windshields in full. They aren't too costly for the rare times they happen. I would guess our insurance premium reflects that savings. We pay about $500 every six months for two drivers. It's been as low as $420 in other states.

  6. Liz Says:
    May 25th, 2017 at 06:52 pm 1495734721
    1495734721

    I live in NYC, so that cost is a "never gonna happen" dream for me! I pay around $200 per month for full coverage on 1 vehicle, 1 driver. It's by far the cheapest option out there (Geico somehow has great rates in my zip code that no other insurer can come near...every time I look around I get quotes for double!). That's with a squeaky clean license and a discount on liability for a safe driving course, plus the "leisure driving, less than 5k miles per year option chosen.

  7. snafu Says:
    May 25th, 2017 at 10:47 pm 1495748867
    1495748867

    I was surprised by the price variance mentioned. I don't know a twit about windshield replacement so I looked up a few facts. The article I read mentions the importance of using a good adhesive, correct 'bonding' time, primer to cover raw metal and the issue of cracked clips that hold the windshield moulding in place.

    I didn't include the link because it's Toronto centered...but you might back check facts for your area.

  8. creditcardfree Says:
    May 25th, 2017 at 11:37 pm 1495751867
    1495751867

    Snafu, I'm not doing the repair myself. This is a reputable company with very good Google reviews. They have stores in multiple states. Price variances can be due to lower overhead and less advertising, not just quality of repair.

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