Progressive’s comprehensive coverage covers windshield and glass damage, vandalism and theft, as well as other non-collision-related damage. Because comprehensive coverage only covers damage to your car caused by events outside your control, comprehensive coverage is sometimes called “other than collision” coverage. Despite the name, comprehensive insurance only covers damage to your car caused by events outside your control. That’s why it’s sometimes called “other than collision” coverage.
Comprehensive insurance from Progressive covers:
Windshield and glass damage
Vandalism and theft
Falling objects and roadway debris
Severe weather (floods, hail, lightning, etc.)
Accidents with animals (hitting a deer)
Fire and explosions
Around 73% of Progressive customers add comprehensive insurance, which costs just $22 per month on average. Comprehensive coverage is optional in all states, but if you lease or finance your car, you may be required by your lender to carry it.
If you decide to carry comprehensive coverage, you’ll have to choose a deductible. Your deductible is the amount you’ll pay out of pocket when you file a claim. The most common deductible amount for comprehensive coverage is $500.
Progressive is cheap because it offers a variety of discounts and equips consumers with advanced tools to get the best rates. Progressive’s price comparison tool allows shoppers to compare their Progressive quote against competitors’ rates all in one place, for example. Progressive also offers the Name Your Price® tool, which lets customers state their desired price for car insurance and offers a range of coverage options that fit their budget. Progressive Snapshot® uses your smartphone or a plug-in device to reward safe driving and personalize your rates, too.… read full answer
Progressive also has a lot of discounts—99% of policyholders qualify for at least one of them, according to the company. Almost anyone can get a discount for getting an online quote, signing paperwork electronically, or going paperless, for example. Students, homeowners, and even expensive-to-insure teens can also get discounts. Plus, Progressive rewards customer loyalty with discounts for insuring more than one car or getting multiple policies, like home and auto.
Progressive is ranked 17th for the cheapest car insurance according to WalletHub's 2021 review. Its main competitors in terms of price and market share are Geico and State Farm, but WalletHub’s comparison shows that Progressive is usually the cheapest of the three.
It costs $200 to $300 to replace a windshield without insurance, on average. The exact amount you will have to pay to replace your windshield depends on a number of factors including the year, make, model, and trim of your car.
Replacing the windshield of a new, luxury vehicle loaded with features could cost twice as much as replacing the glass of an older, economy car. The type of glass used is another factor that greatly influences your final price.… read full answer
OEM vs. Aftermarket Windshield Replacement Cost
Aftermarket windshields cost around $100 less than OEM (original equipment manufacturer) glass. But AAA warns that using lower-quality parts might be a risk. Bargain windshields may create optical distortions that make it harder to drive.
Another safety concern with aftermarket parts is fit. Your windshield helps to support the roof and structure of your car in an accident and plays a critical role in airbag deployment. If it doesn’t fit perfectly, you’re less safe in the event of a crash.
How Much Does it Cost to Repair a Windshield?
It generally costs between $50 and $150 to repair a cracked windshield, but it could cost less in some cases. Usually, the smaller the chip, the cheaper it will be to repair.
Even without insurance, windshield repair or replacement should be pretty affordable. But if you do have insurance, it’s possible that you may not have to pay anything at all. Many insurers offer $0 or low deductible glass claims as part of comprehensive coverage.
When You Should Replace Your Windshield
In general, your windshield needs to be replaced if it has a fissure larger than a dollar bill or a chip that’s larger than a quarter. If the damage is small and falls out of the driver’s line of sight, it can usually be repaired rather than replaced.
Hitting a deer is usually considered a random event and does not significantly affect insurance rates. Deer accidents are covered by comprehensive car insurance, which protects you from damage caused by things outside your control, like theft, vandalism, falling tree branches, and animals.
Comprehensive claims go on your insurance record, but they don’t dramatically affect your rate because they’re not-at-fault accidents. Claim frequency does affect how much you pay for insurance, though. One comprehensive claim won’t spike your rate, but multiple claims in three years or less will increase your premium.… read full answer
Do you have to pay a deductible if you hit a deer?
If you hit a deer or a deer runs into your car, you’ll have to pay your deductible before comprehensive insurance covers the rest of the bill. Common deductibles are $500 and $1,000 for comprehensive claims, but you choose the deductible when you set up your policy.
Does liability insurance cover hitting a deer?
If you only have liability insurance, which pays for damage you cause to someone else or their property in an accident, hitting a deer won’t be covered.
If you swerve to miss the deer and crash into oncoming traffic, liability insurance would come into play. In that case, your liability insurance would cover damage to the other driver’s car.
You must make physical contact with the deer for the accident to be covered by comprehensive insurance. Liability is almost always required by law, but comprehensive coverage is not. You may have been required by your lenders to carry it if you leased or financed your car, though.
Deer accidents are frequent in many parts of the country, and hitting a deer can easily total your car. It’s worthwhile to explore comprehensive coverage options, especially since it’s usually quite affordable.
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