Crack from a Rock Hitting the Winshield

[RickMachE]

Very few states do. BUT, if you ask your insurance company, "can I get a separate glass deductible", they may say, as mine did, "sure".

Some states require it.
Some states allow it.
Some states specifically DON'T allow it.

I separated mine in early 2014, after getting my F-150, and realizing it was a rock magnet. Sound familiar? Lowering my comp from $500 to $250 was $35 back then. Going from $500 to $100 was $80. Getting the glass deductible to $0 was $39.

So you can see, back then it was $39 A YEAR to have zero glass on the F-150. In 2023, that cost was $19. This shows 2 things:

1) A vehicle does go down in glass coverage cost over its life, even with costs going up for parts.

2) The glass for a 10 year old F-150 is much cheaper than the glass for a 2021 - 2023 Mach-E, which also requires calibration (and they charge for that).

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[AZBill]

By repair I was including replacement too.

I have full glass coverage, no out of pocket. Arizona is terrible for rock hits on our roads.

 

[Just Lurking]

Anyone who chooses anything but a $0 deductible on comprehensive coverage isn't being too smart in my opinion.

Funny, I feel the exact opposite. Insurance is expensive, and the savings on higher deductibles add up over time. I keep a $2k deductible on all my coverage and have considered going up to $5k. Has saved me a bundle over the years.

 

[Monke]

Does there seem to be a high percentage of replacement windshields here, or is it just me.

MME windshield is very tough. My previous MME got slingshot and the windshield only had a noticeable chip. Well, I went to visit friends who lived on the street separating ok and not good neighborhoods.

 

[nvabill]

Funny, I feel the exact opposite. Insurance is expensive, and the savings on higher deductibles add up over time. I keep a $2k deductible on all my coverage and have considered going up to $5k. Has saved me a bundle over the years.

Yes, as I said to Rick I need to rethink my plan on that, I was shocked how much I could save on going from a 0 to jus a 50 or 100 dollar deductible for glass.

 

[Kamuelaflyer]

I had my cracked windshield replaced at Safelite. I told them I wanted oem glass and I got a Ford windshield. If there’s a location near you, it might be worth a phone call.

This is the answer. We just had our Oregon based 2021 Ranger front windshield replaced by Safelite on the mainland with oem glass. No questions asked, fast scheduling and good service. YMMV.

 

[RKinWA]

Really?

You do know that comprehensive coverage is not just glass coverage, right? And that the cost of selecting a zero deductible isn't necessarily small.

For my upcoming 6 month policy, selecting $0 glass costs $49 on the Mach-E and $38 on the truck. That's just for the glass coverage being zero.

My $250 deductible comprehensive coverage is $169 and $134. Taking them to zero wasn't economical.

Exactly. In 20 years I have only filed a claim with insurance twice. Definitely cheaper to have a high deductible and lower rates.

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