When it comes to auto insurance, many drivers overlook the importance of protecting their vehicle’s glass. Windshields and windows are vulnerable to damage from road debris, weather, and accidents. Auto glass insurance ensures you’re covered for these unexpected costs.
What Is Auto Glass Insurance?
Auto glass insurance coverage is typically an add-on or included in comprehensive coverage. It helps pay for the repair or replacement of your vehicle’s glass components, such as windshields, side windows, and rear windows.
Coverage Options and How They Work
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Comprehensive Coverage
- Most auto glass claims fall under comprehensive coverage. This protects against non-collision damage like hail, falling objects, or vandalism.
- Deductibles apply, but some insurers offer zero-deductible glass repair options.
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Full Glass Coverage
- An optional add-on that eliminates your deductible for glass repairs or replacements.
- Ideal for drivers who frequently travel on highways where chips and cracks are common.
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Glass Repair vs. Replacement
- Many insurers cover repairs without a deductible to encourage fixing small chips before they spread.
- Replacement usually involves a deductible unless you have full glass coverage.
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OEM vs. Aftermarket Glass
- Some policies specify whether original manufacturer glass or aftermarket glass will be used.
- Check your policy details to avoid surprises.
Why It Matters
Driving with a cracked windshield isn’t just a cosmetic issue—it can seriously compromise your safety and even put you at risk of legal trouble. A damaged windshield reduces visibility, weakens the structural integrity of your vehicle, and in some cases, can lead to citations if it obstructs your view. Auto glass coverage is designed to take the stress out of repairs by covering the cost of fixing or replacing your windshield quickly and affordably. This means you can get back on the road with confidence, knowing your vehicle meets safety standards and you’re protected from unexpected expenses
Ready to check out your coverage?
Contact Troxell by clicking here or call our main office at (217)528-7533 to speak with an insurance professional about your current policy and explore coverage options if necessary. Our team is here to help ensure you're protected.