I can see the logic behind windshield coverage, but honestly, if your car's older or doesn't have those fancy sensors, isn't it usually cheaper to just pay out-of-pocket? I've found basic glass replacements aren't too pricey, especially if you shop around a bit...
Yeah, good point—especially if you're driving something older. I had a similar situation last year, shopped around a bit and found a local place that replaced mine for under $200. Insurance would've cost me more in the long run with deductibles and higher premiums. If you don't have sensors or special coatings, paying out-of-pocket usually makes sense... just gotta do your homework first.
Isn't that mostly true for older cars though? If you're driving something newer or luxury, wouldn't you rather have the insurance handle it, even with the deductible? I had a windshield replaced on my Audi last year—OEM glass, sensors recalibrated, the whole deal—and it was easily over a grand. Out-of-pocket would've hurt way more than a slight premium bump. Guess it depends on what you're driving and how much hassle you're willing to deal with...
Depends on your perspective, really. I drive a '71 Mustang, and last time I cracked my windshield, insurance was more hassle than it was worth. They wanted me to go to their "approved" place, which didn't even stock vintage glass. Ended up sourcing it myself, cost less than the deductible anyway. For classics at least, often easier (and cheaper) just to handle it yourself.
I get your point about classics—I have a '68 Camaro myself, and sourcing parts can definitely be easier (and cheaper) on your own. But I wouldn't totally dismiss insurance involvement, even for vintage cars. A few years back, I had a fender bender that damaged some original chrome trim. Initially thought I'd handle it myself, but my insurance was surprisingly flexible. Instead of forcing me to their usual network, they allowed me to pick my own body shop specializing in classics and reimbursed me afterward. Sure, it took a couple of extra phone calls, but the added peace of mind was worth it.
Guess it really depends on the insurer and the agent you're dealing with. Some companies actually understand the vintage car community pretty well and offer specialized policies or at least some flexibility. Might be worth shopping around or having a chat with your agent to see what's possible.
