Does AAA have glass coverage?

Yes, comprehensive insurance covers windshield replacement as long as the windshield was damaged by something other than an accident. If the windshield was damaged in a crash, the cost of windshield replacement or repairs would fall under liability or collision coverage, depending on fault.

Comprehensive Insurance Covers Windshield Replacement Needed Due To:... read full answer

• Vandalism
• Hail or other weather events
• Animal damage
• Road debris
• Fallen trees
• Natural disasters

Windshield repairs are generally inexpensive, costing around $50 - $150 for standard cars. Full windshield replacement ranges from $100 to $400 for most vehicles and costs $1,000 or more for luxury cars.

But it’s worth noting that states and insurance companies vary on whether windshield repairs and replacement are subject to a deductible. If your deducible applies, windshield replacement/repairs might cost less than your deductible, meaning that you’ll have to pay out-of-pocket.

When Comprehensive Insurance Does Not Cover Windshield Replacement

If your windshield was damaged in an accident where the other driver was at fault, their liability insurance should pay for repairs or a replacement. On the other hand, if you have collision insurance, it will cover your windshield if you were at fault in an accident or if the fault was unclear.

In these cases, comprehensive insurance will not pay for windshield repairs or replacement. Similarly, if someone damages your windshield in a non-driving related incident, you may be able to file a claim for windshield replacement through the liability portion of their homeowners or renters insurance.

Ultimately, windshield repairs and replacement are essential to safe driving, since windshields are important to a driver’s visibility and a car’s structural strength. And even minor cracks can quickly expand and become expensive to repair, so it’s best to address windshield damage immediately.

Comprehensive insurance is worth it if the premium is a small percentage of the car’s value. Comprehensive insurance might also be worth it if the policyholder cannot afford to replace the vehicle without comprehensive coverage, or if the car is driven or parked in a particularly risky area.

Although comprehensive insurance is not mandatory in any state, dealerships and lenders frequently require comprehensive insurance, along with ... read full answercollision coverage, on leased or financed cars. In that case, comprehensive insurance is definitely worth it, because failing to meet the lender’s or lessor’s requirements could result in expensive force-placed insurance or even repossession.

Factors to Consider When Deciding If Comprehensive Insurance Is Worth It

• Your car’s age, mileage, and value.
• The cost of comprehensive insurance premiums.
• The risk of theft, vandalism, and natural disasters in your area.
• Your ability to pay for repairs or a replacement vehicle out of pocket.

An old rule of thumb recommended dropping comprehensive coverage when a car was five to six years old or had 100,000 miles. But this rule is now outdated, since newer cars have increased longevity alongside higher repair costs. Now, the standard rule is that comprehensive and collision coverage are both worth buying if the combined premium is less than 10% of the car’s value, minus the deductible.

Cost is only one factor, however, so you should also consider how likely you are to file a claim, as well as what would happen to you financially if your car was stolen or destroyed by something other than an accident and you didn’t have coverage. For instance, if theft, animal collisions, or natural disasters are particularly common in your area, you are especially likely to need comprehensive insurance. Similarly, even if your comprehensive premium is 15% of your car’s value, for example, comprehensive insurance might still be worth it if you rely on the car and can’t afford to replace it yourself.

AAA is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from AAA costs an average of $66 per month, and AAA premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and safety inspection discount. Plus, AAA rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.... read full answer

Average Monthly Rates for AAA vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

AAA is especially cheap for safe drivers in particular. That’s because AAA has special savings opportunities for drivers in this category, such as discounts for driving responsibly while using the AAADrive telematics program.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though AAA is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub’s review of AAA and see AAA’s full profile.