Yeah, I’ve noticed that too—every time I call, they’re pushing something new. Last time it was “windshield chip protection,” which sounded kinda pointless since my deductible’s higher than the cost of a chip repair anyway. I just stick with the basics and use AAA for anything else.
Windshield chip protection is one of those things I see folks skip, but then I’ll get a call from someone who picked up a rock on the H-1 and suddenly wishes they had it. Still, if your deductible’s higher than the repair, you’re probably making the right call. I’ve seen people stack up coverage they don’t need just because it was pitched to them—sometimes less really is more.
“Windshield chip protection is one of those things I see folks skip, but then I’ll get a call from someone who picked up a rock on the H-1 and suddenly wishes they had it.”
That’s the classic “I don’t need it… until I REALLY need it” insurance moment. Gotta admit, I’ve seen people pass on glass coverage, then come in with a windshield that looks like it lost a fight with a weed whacker. But yeah, if your deductible’s $500 and the chip repair’s $80, you’re basically just paying for peace of mind.
Funny thing is, I’ve also had folks walk in with more add-ons than a poke bowl—rental reimbursement, roadside, pet injury (yep, that’s real)—and not even realize what half of it covers. I always say: if you can’t explain what you’re paying for to your aunty at Sunday lunch, maybe double check if you really need it.
Curious—has anyone actually had to use their windshield coverage here? Did it end up saving you money, or was it more hassle than help?
Had a guy last month who swore he’d never need glass coverage—said he’d just “deal with it if it happens.” Fast forward, he’s on the H-3, big truck kicks up a rock, and now he’s got a crack running across the whole windshield. He was pretty shocked at the replacement cost. I’ve seen folks get coverage and never use it, but when you do need it, it’s a lifesaver. Honestly, I’d rather pay a bit more up front than gamble with a $700 surprise.
Honestly, I used to skip glass coverage too, thinking I’d just roll the dice. But after a couple of those “H-1 rock showers,” I changed my mind real quick. The cost to replace a windshield here is no joke, especially with sensors and all that tech built in now. Curious—has anyone managed to find a policy that includes glass but doesn’t jack up the premium a ton? I feel like the rates vary a lot depending on the company...