Did you know New Jersey is one of a few states that does not offer a separate glass coverage deductible as part of car insurance? Unlike other states, when NJ drivers fall victim to chipped, cracked or broken glass, comprehensive insurance covers the cost of repair or replacement. That means you can save quite a bit of money if you set up your auto glass insurance coverage plan the right way.
The Best Insurance for Chipped, Cracked or Broken Glass
Here are some things to ask yourself when trying to get the best coverage for your money:
Do I Need Auto Glass Insurance Coverage?
The odds are very good that you’ll fall victim to a chipped, cracked or broken windshield. It’s reported that 13-14 million windshields* are replaced each year. And stressors like extreme temperatures or rough driving conditions will cause existing windshield chips and cracks to spread quickly, according to a recent windshield damage study.** Glass insurance coverage will protect you from spending big bucks on repair or replacement.
How Does My NJ Comprehensive Insurance Protect Me?
Your comprehensive insurance covers non-collision auto damage like fire, vandalism and theft. In New Jersey, all claims related to auto glass damage are handled through the comprehensive insurance coverage portion of your auto policy. If you have your deductible set up properly, you’ll save money when you experience windshield damage.
What Should My Comprehensive Insurance Deductible Be?
The best auto glass insurance coverage has a very low comprehensive insurance deductible. Think of it this way – If you have a $1,000 deductible and the estimated repair cost is $750, it wouldn’t be worth your while to file a claim. The deductible is more than the cost of the windshield. Insurance agents at the John Hawk Agency in New Jersey suggest lowering your comprehensive deductible from the average range of $500-$1,000 to $100-$250. This way, your policy will cover a big chunk of the cost. It’s a relatively inexpensive change to make that will give you immediate payback on your first auto glass insurance claim.
How Can I Change My Comprehensive Insurance Deductible?
Talk to your insurance agent about your glass insurance coverage. He or she will evaluate your situation and discuss the best way to protect yourself with your comprehensive insurance policy.