Windshield Replacement – Cost Factors

Windshield replacement can be expensive, especially if your insurance company will not pay for it. Replacing your windshield is usually covered if you have comprehensive coverage, which is other than collision, on your policy. It is best to check with your insurance company first before setting up an appointment to have it replaced. If you do have to pay for the cost of windshield replacement there are several factors involved in the final cost, which could cost over two hundred dollars. When you take your car in to have the windshield replaced, the company will first decide if it can be repaired instead of replaced. Not every cracked or chipped windshield will require replacement.

Some of the factors that are considered in the cost of windshield replacement can include:

• Size of the windshield

• Insurance coverage, because most insurance policies have a deductible that the customer has to pay before the insurance will pay, which can range from two hundred fifty dollar and more

• Additional parts that need replaced such as the rubber mounting that goes around the windshield

• The auto glass repair shop, which includes the hourly rate of doing the replacement. If you choose to go to a dealership to have the work done it will be more expansive than a regular auto glass repair ship.

• Towing to the repair shop if the windshield is so damaged it is unsafe to drive the vehicle

One of the most important factors that need to be considered is the type of glass that is used for the windshield replacement. The most expensive glass that can be used in windshield replacement is dealer glass, which is the type of glass that was used for the windshield when it was built. There are other comparable types of windshield glass such as original equipment manufacturer (OEM). This type of glass has to meet or exceed the vehicle manufacturer’s standards but is generally not as costly as dealer glass. The only real differences between the two are the maker, the fact that the OEM glass does not have the manufacturer’s name stamped on the glass, and the price.

There is another choice for windshield replacement glass that does not meet the same standards as OEM windshield glass but it is cheaper. This glass is called aftermarket glass. Other than the more expensive dealer glass, OEM tends to be most popular choice.

In today’s world, you may be able to save the cost of having your car towed to the auto glass repair shop by having a mobile unit come to your home to replace your windshield. The replacement does not take long but it needs a couple of hours to set up before you can drive the vehicle.

Cheap Auto Insurance Companies Overview: Important Factors to Consider

All car owners are always looking for ways to save on the costs associated with their automobile, whether it’s on repairs, gas, insurance, etc. Nowadays, there are more cheap auto insurance companies than ever before, and if you are in search of a more affordable policy, you can use internet tools to help you.

Beware that there are scams and that it is possible to make a mistake and choose the wrong company or policy, even if the offer is legitimate. There are many things to look for in an insurance company, including its financial strength, number of years in the business, number of complaints, number of positive reviews, what kinds of discounts they offer, how easy it is to file claims with them, and so forth.

There are some things that affect the rates you will get that will be challenging for you to change. For instance, if you have poor credit history and/or a poor driving history, it’s going to take some time to prove to insurance providers that you are now trustworthy and that you are working on making improvements. The improvements themselves will take a lot of time as well.

Think about what would be better for you financially: to pay more money each month on the premium or more money out of your pocket in the event that you are involved in an accident on the deductible. Typically, individuals who have an older vehicle or an inexpensive one will opt for lower premiums since the vehicle might not be worth the price of repairs or replacement if it’s totalled anyway.

Cheap Auto Insurance Companies for Older Vehicles

If you do have an older vehicle, then you might be able to do without collision coverage as well. Find out what the minimum legal requirement for automobile insurance in your state is and decide if that is enough for you or if you want to be on the safe side and get some more. There are always variables to consider when it comes to getting quotes from cheap auto insurance companies.

Consider value, not price, when comparing quotes. Which offer includes the right kind of coverage you need at a reasonable price? Do the terms regarding the deductibles and premiums look ideal to you? Carefully read over each offer and do the relevant research on the companies.

There are things that could be in your favor that you’ll want to let a potential insurer know, such as low mileage, unemployment, have a job close to home, work out of the home, etc. Driving less means that you may qualify for a lower premium.

Lastly, check and see if you qualify for any special discounts. You’ll be surprised at some of the discounts some auto insurance companies offer.

Where should you begin your search for cheap auto insurance companies? Esurance Insurance Services, Inc has tons of positive reviews and 4 and 5 star ratings. You can always count on car insurance savings being easy to find at esurance.