Windshield stuff is wild. I just started shopping for insurance this year and honestly, I had no clue glass coverage was even a thing you had to ask for. I figured it was just baked in, but nope—turns out you gotta read the fine print or you’re on the hook for the whole thing. My car isn’t anything fancy (just a Civic), but even then, the quote for a new windshield was like $600. Not as bad as an S-Class, but still a gut punch.
I did notice some companies here in Alabama barely mention glass at all unless you bring it up. Feels like they’re hoping you don’t notice until it’s too late. And yeah, the zero-deductible thing? Not standard at all, which is kinda annoying. I guess it makes sense that luxury cars get hit harder, but even regular folks get stuck with a big bill if they’re not careful. Makes me wonder what other “surprises” are hiding in these policies...
Honestly, I get where you’re coming from, but it’s not always the companies being sneaky. A lot of folks just want the cheapest premium, so they skip extras like glass. Alabama doesn’t require full glass coverage, so it’s usually an add-on. I’ve seen people surprised by this all the time. Just gotta ask about the details—sometimes the agent will walk you through it, but not always. And yeah, zero-deductible isn’t standard, but if you do a little digging, some carriers actually offer it for just a couple bucks more per month. Worth checking before you sign anything.
Yeah, I’ve seen folks get caught off guard by that glass coverage thing more times than I can count. It’s wild how many people assume it’s baked in, but nope—Alabama just doesn’t require it. I always tell people, don’t just look at the bottom-line price. Sometimes that “cheap” policy ends up costing more when you actually need to use it. I mean, a cracked windshield isn’t rare around here with all the gravel trucks. Spending a couple extra bucks for zero-deductible glass can save a headache later, but I get wanting to keep costs down. Just gotta weigh what matters most to you.
Man, you nailed it with the gravel truck thing—my windshield took a rock last spring and I learned the hard way that glass wasn’t covered. The cheap policy looked good until I was out a couple hundred bucks. Lesson learned, for sure. Sometimes “saving” upfront just bites you later.
Man, I feel you on that one. I’ve had my share of “budget” policies that ended up costing more in the long run. I always wonder—how do you even know what’s worth adding? Like, I get why people skip glass coverage, but then you get that one random rock and suddenly you’re regretting it. Is it just me, or do insurance companies make it way too confusing to figure out what’s actually important?
I’ve got a couple tickets on my record, so my rates are already kinda wild. I keep thinking, do I really need all these extras, or am I just paying for stuff I’ll never use? But then, like you said, the one time you need it, you’re out a chunk of cash. It’s like a gamble either way. Anyone else ever try to read through those policy details and just give up halfway? Maybe I’m just not patient enough, but it feels like they make it complicated on purpose...
