The windshield in your vehicle does a lot more than keep dirt, dust, and flying objects out of your face as you drive. It does all of that, of course, but it also protects you and your loved ones in the event of an accident:
- The windshield acts as a buffer for the airbags when they deploy.
- It helps support the roof of your car and protects you if there is a crash and the car rolls over.
So, when a windshield is damaged from a stone or other piece of debris flying up off the road, it is something that has to be fixed as soon as possible. In fact, some states will keep your vehicle from passing car inspections if you have a broken or chipped windshield.
What happens if the windshield repairs will be costly and won’t be able to fit into your budget until next month? While you understand the importance of having it fixed right away, you may need additional options that will help you cover the windshield replacement cost and not take any money away from other necessities.
Check Your Insurance Policy and Deductibles First
Pull out your car insurance policy or call your agent right away. Find out if you have comprehensive coverage on your policy, because it typically does cover windshield damage. This coverage also includes damage from theft, falling objects, collisions with animals, fire, flood, and hail. It is usually required coverage for any car loan. Otherwise, it costs an average of $160 per year and it will help with the windshield repair or replacement if you have it on your policy.
Comprehensive coverage does usually have a deductible, which you would be responsible for covering yourself if you were to file a claim. These deductibles can generally range between $250 and $1,000, so view your deductible, or ask your agent to review it with you.
However, some insurance companies offer “zero deductible” options for glass replacement. This option would be separate from your comprehensive deductible. Even though it can be costly to purchase car insurance, over time, it may be worth it if your comprehensive has a high deductible.
Your agent can also tell you if your state can protect you from big bills for glass repair and replacement by eliminating deductibles for comprehensive insurance glass claims. If you live in a state that does, you may not have to pay out of pocket.
The amount you may have to pay depends on not only your insurance. It depends on the typical cost to repair or replace windshields and other auto glass.
The Cost to Repair or Replace Auto Glass
Just as with most prices, the cost of repairing or replacing a windshield depends on where you live, the extent of the repair or replacement, the make and model of the car, and the type of glass used. However, we can look at averages:
- Small chip repair – $60 – $100
- Crack in windshield – $125 and up
- Window replacement – $250 – $450
- Recalibration of advanced driver assistance systems – $1,500 and up
Once you receive an estimate from your auto glass shop and the information you need from your insurance agent, you will have a better idea of how much this all will require from your pocket. Hopefully, the work will be covered 100% by your insurance. If the repair or replacement of the glass costs $300 and your insurance covers $250, your part of the cost will be $50.
After you’ve gathered all the numbers and expected costs, you should be able to decide the best path for yourself.
Seek Out Financing
Max Auto Glass understands the dilemma of being faced with an important repair, but not having the money to take care of it. We’ve partnered with BRAKEmax to provide several ways to get the necessary funds into your pocket as soon as possible to finance your auto glass repair.
CFNA Credit Card
The BRAKEmax Car Care Centers credit card is a partnership between Credit First National Association (CFNA) and thousands of auto service shops all over the country, including Max Auto Glass. Its purpose is to provide access to generous credit limits and special financing on purchases of $149 and up for those who need it.
The card offers:
- No annual fee
- Stress-free financing with low monthly payments
- Easy application process
- 6-months promotional financing
- Interest deferred (if paid in full within 6 months)
- 24/7 online account management
- Quick credit decisions
- Easy application process
- Immediate purchasing power
Max Auto Glass and BRAKEmax CFNA Credit Card offers an alternative when your windshield is damaged or destroyed and it needs to be fixed immediately. Your cash may be short, but we are here to help!
Pick the Right Glass Repair Shop
In considering the cost of repairing or replacing your damaged auto glass, don’t forget to weigh the value of the shops you are considering. Cut-rate auto glass repairs sounds good up front, especially if your budget is tight anyway. But any savings you get in the beginning might be wiped out later as a result of shoddy work and unqualified technicians.
Max Auto Glass is a member of the Auto Glass Safety Council and the Better Business Bureau. We hire only ASE-certified technicians and our customer service is top quality.
We start the timer when we accept the glass replacement job and work hard to finish with the repair or replacement within 24 hours. We understand that your time is valuable.
We also provide free mobile auto glass repair and installation and we can come to your home or office while you work. We serve the entire Tucson area, as well as the surrounding areas. Or you may choose to bring your car or truck to Max Auto Glass to have your service provided.
Don’t hesitate to call us with any questions you may have about the Max Auto Glass mobile repair service. We want to exceed your expectations and have you back on the road as quickly as possible.