Every insurance company calls it something different, but it amounts to about the same thing.

In Arizona, we have a lot of rocks and debris on the road.

Your windshield in particular is going to chip, or crack every so often.

Depending on your luck, you might need a new windshield every two years, or five years. Glass coverage is nice because you do not pay anything out of pocket to get your windshield repaired or replaced.

You call in, they send someone to work on it while you are working, or at home and they leave with no out of pocket expenses.


Find out what it costs in cash for a new windshield and what you annual premium is for this coverage.

The last time I had a windshield lost, I paid about $160 cash. The cost for Glass coverage with my insurance company was about $135 per year.

On that vehicle, over seven years we had two windshield losses.

That would have cost $945 for seven years if we had purchased the coverage.

Instead, we paid $320 for two windshields.

Everyone’s experience is different of course.

You could have lost a windshield every year.

Some people have special sensors in their windshield, such as Mercedes and their rain sensors, or other vehicles which disable cruise control when another vehicle comes too close.

These expensive windshields can start at $1,000 and go up from there.

Understand that filing more claims increases your premiums over time.

Even when you are not directly being charged for claims if the company’s costs go up too much then they raise the rates and pass those costs back to the consumers.