Haris Ashley
Windshield repair and replacement are typically covered by car insurance policies, and this is also true for Progressive car insurance. Progressive offers a range of options for windshield repair and replacement, depending on the type of insurance coverage you have. The company's comprehensive coverage includes windshield repair and replacement for various scenarios, such as falling debris, vandalism, and accidents involving other vehicles. Additionally, Progressive provides an accident forgiveness program, where maintaining a clean driving record can prevent accidents from impacting your premium. However, it's important to note that windshield claims may slightly increase your premiums due to the cost incurred by the insurer.
| Characteristics | Values |
|---|---|
| Repairing vs. replacing | Progressive prefers to repair windshields instead of replacing them as repairs are cheaper and less likely to cause leaks. |
| Comprehensive coverage | Comprehensive coverage is optional, but most drivers add it to their car insurance policy to get covered for windshield repairs. Comprehensive coverage may cover the cost of repairs or replacement if the windshield is damaged due to falling debris, hitting an animal, or other unexpected events. |
| Collision coverage | Collision coverage typically applies in an accident with another vehicle. |
| Deductible | Depending on your state and policy, you may have to pay a deductible. Progressive offers a $0 deductible option for glass-only replacement claims in certain states. |
| Cost | Windshield repair and replacement are usually very affordable, ranging from $100 to $400 without insurance. |
| Time | Most windshield claims are resolved within 48 hours, and the work usually takes an hour or less. |
| Premium increase | Filing a glass repair claim may cause your premium to increase slightly. |
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What You'll Learn
Comprehensive coverage
If you have comprehensive coverage with Progressive, you won't pay anything for windshield repairs as they don't apply a deductible in that case. Progressive prefers to repair windshields instead of replacing them as repairs are cheaper and less likely to cause leaks. Most windshield damage is minor and only needs small repairs. Repairs can be done in 30 minutes at home or the office, but replacements need to be done in a repair shop.
In some states, Progressive offers a $0 deductible option for glass-only replacement claims, separate from your comprehensive deductible. This gives you the flexibility to set both deductibles as you like. Progressive also allows you to choose who repairs or replaces your windshield, although they recommend Safelite AutoGlass, the country's largest auto glass replacement company.
It's important to file a claim for glass coverage as soon as possible after your windshield breaks, chips, or cracks. You can do this by logging into your Progressive account online, using the Progressive app, or calling their hotline. Progressive will then assess the damage, review your policy and deductible, and work with you to determine the best course of action. The entire process can take several days or even weeks, so it's crucial to keep your windshield protected until it's repaired.
While filing a glass repair claim with Progressive won't cause your premiums to increase, repeated claims could indicate that you follow other vehicles too closely while on the road. It's also worth noting that if the cost of repairing or replacing your windshield is less than your deductible, your insurer won't cover any of the cost, and filing a claim would be pointless.
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Collision coverage
When you add collision coverage to your auto policy, you'll choose a deductible amount, which is the amount you'll pay out of pocket to repair or replace your car when you file a collision claim. For example, if your deductible is $500 and the damage to your vehicle is $5,000, your collision coverage will pay up to $4,500 for the repairs.
When deciding whether to add collision coverage, consider the value of your vehicle and your ability to pay for repairs or a replacement vehicle out of pocket. If your vehicle is brand new or worth a considerable amount, collision coverage can help with expensive repairs or replacement costs. Additionally, if you couldn't afford to pay for repairs or a new vehicle in the event of an accident, collision coverage can provide peace of mind.
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Repair vs replacement
If you have comprehensive coverage, you will likely be covered for auto glass repair, including a full windshield replacement. Progressive offers a $0 deductible option for glass-only replacement claims in certain states. This option is separate from your comprehensive deductible, and you can set both deductibles to your liking. Progressive also allows you to choose who repairs or replaces your windshield. The repairs or replacements are usually completed within 48 hours.
If your windshield can be repaired instead of replaced, you typically won't have to pay anything. However, if your windshield must be replaced, you might have to pay your comprehensive deductible. The cost of a windshield replacement can vary based on several factors, including the year, make, and model of your car, as well as the type of glass used.
In general, repairing a windshield is less expensive than replacing one. The cost to repair a windshield depends on how much of the glass needs fixing, while the cost of a replacement depends on various factors. Windshields can usually be repaired if the chip or crack is less than 6 inches long. If the crack is larger than 6 inches, the windshield will likely need to be replaced.
If your windshield is damaged due to falling debris, hitting an animal, or other unexpected events, comprehensive coverage may cover the cost to repair or replace it minus your deductible. On the other hand, if your windshield is damaged in a car accident involving another vehicle or a stationary object, collision coverage would apply. Collision coverage typically covers the cost of repairs or replacement in these cases.
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Deductibles
The deductibles for windshield repair and replacement with Progressive vary depending on the state, the type of insurance coverage, and the extent of the damage.
Comprehensive Coverage
If you have comprehensive insurance, Progressive may not apply a deductible for windshield repairs. Comprehensive coverage is optional but is commonly added to car insurance policies to cover windshield repairs. Comprehensive coverage typically applies to damage that did not result from a car accident, such as vandalism, hail, or falling objects. In some states, such as Florida, Kentucky, and South Carolina, insurance companies are mandated to waive the deductible for windshield repairs or replacements for those with comprehensive coverage.
However, if a cracked windshield needs to be replaced, you may need to pay a comprehensive deductible before Progressive covers the remaining cost. The cost of windshield replacement can vary depending on factors such as the vehicle's make and model, the type of glass used, and the chosen repair shop.
Collision Coverage
If your windshield is damaged due to an accident involving another vehicle or a stationary object, collision coverage would apply. After paying your collision deductible, Progressive will cover the remaining repairs needed to restore your vehicle to its pre-accident condition.
Deductible Savings
Progressive offers ways to save on deductibles through its Deductible Savings Bank. Policyholders can earn $50 towards their collision and comprehensive deductibles for each policy period with no claims or driving violations.
Filing a Claim
When filing a glass claim with Progressive, it is important to do so as soon as possible after the damage occurs. You can report a claim by contacting Progressive, logging into your online account, or using their mobile app. Most glass claims are processed and resolved within 48 hours, and mobile repairs can often be completed within 30 minutes.
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Progressive's glass claims process
To begin the claims process, customers need to log in to their Progressive account to report or view an existing claim. Progressive policyholders without an account can register for one on the website. If a customer is not insured by Progressive, they can report or view an existing claim as a guest. Progressive will then gather some basic information and assign a claims representative to the customer. The claims rep will be the main point of contact and will walk the customer through their options and explain the process.
The customer will then be connected with the right experts, including an estimator who will inspect the car and write an estimate for the cost of repairs. The customer will be asked if they want to get their repairs completed or receive a payment. Progressive offers a network of repair shops around the country for inspections and repairs, and guarantees repairs at these network shops. Customers can also use any other shop they prefer, but Progressive won't be able to guarantee repairs at shops outside their network.
Progressive recommends Safelite AutoGlass, the country's largest auto glass replacement company, or one of its affiliated shops, for quick and easy repairs. Repairs or replacements can usually be done at the customer's home, workplace, or at the shop. Progressive states that repairs usually take less than 30 minutes, while replacements take about 60 minutes. It is recommended that customers do not drive their vehicles for at least one hour after a replacement.
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Frequently asked questions
Yes, Progressive covers windshield repair if you have comprehensive insurance. Comprehensive coverage is optional, but most drivers add it to their car insurance policy to get covered for windshield glass repairs. Progressive prefers to repair windshields instead of replacing them as it is cheaper and less likely to cause leaks.
You can file a claim for windshield repair with Progressive by logging into your online account via the app or their website and filing an insurance claim using the provided form. Alternatively, you can call their hotline at 1-800-776-4737. It is important to file a claim as soon as possible and before any repairs are made.
Filing a glass repair claim may cause your premium to increase slightly because of the cost to your insurer. However, Progressive has an accident forgiveness program where they will forgive your first accident and prevent it from affecting your premium if you maintain a clean driving record for a certain period.
Progressive covers windshield replacement if you have comprehensive coverage. However, you may have to pay a deductible, depending on your state and policy. If the crack is larger than 6 inches, the windshield will likely need to be replaced.
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