Broken Windshields and Insurance Premiums

If I file a claim for a broken windshield under my comprehensive coverage, will my insurance rates go up?

Answer

Typically, claims against your comprehensive coverage do not affect car insurance rates, but this practice will vary from insurer to insurer. Before you file a claim, you should contact your agent to find out if glass coverage is included in your policy, and, if so, how much your rates will increase if you make a claim. Some insurers offer glass coverage with a $0 deductible, but you typically have to pay slightly higher premiums for this coverage. On some policies, your windshield is protected under your comprehensive coverage, but your deductible still applies. In other words, if you have a $500 comprehensive deductible and your windshield only costs $400 to fix, it would make more sense to pay out of pocket and avoid filing a claim.