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Should I fix my cracked windshield through my insurance or out of pocket?
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03-10-2026, 07:57 AM
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#1
- MarioMiami305
- Join Date: Jul 2022
- Age: 56
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Should I fix my cracked windshield through my insurance or out of pocket?
500 deductible to fix my cracked windshield
To fix the windshield through tesla is between 1600-2000
Does anyone know if this effects my futures rates if i filed a claim? Is it worth it to just pay out of pocket?
Wheres kimm4 for my help? Didnt you work for auto insurance please help.
Edit : found a guy on fb marketplace in philly he says hell do it for $ 790 might let him do it
To fix the windshield through tesla is between 1600-2000
Does anyone know if this effects my futures rates if i filed a claim? Is it worth it to just pay out of pocket?
Wheres kimm4 for my help? Didnt you work for auto insurance please help.
Edit : found a guy on fb marketplace in philly he says hell do it for $ 790 might let him do it
-germ theory is 100% fake
-raw meat , raw eggs , raw butter, raw milk everyday crew
-no alcohol crew
-moisturize with butter and wash face with milk crew
03-10-2026, 08:04 AM
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#2
03-10-2026, 08:05 AM
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#3
Comprehensive claims shouldn't affect your rates though I would give them a call and ask what, if any, effect it could have on your insurability. Just to be safe.
Make sure you use a reputable company. Imagine if the dude off FB fucks it up and doesn't back up his work. You'll be out $790 and have to take him to small claims court to get it back, plus pay someone else to do it right.
Make sure you use a reputable company. Imagine if the dude off FB fucks it up and doesn't back up his work. You'll be out $790 and have to take him to small claims court to get it back, plus pay someone else to do it right.
03-10-2026, 08:07 AM
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#4
- CocoaButterMage
- Join Date: Jan, 2026
- Location: Chicago
- Age: 30
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Originally Posted By MarioMiami305⏩
let the FB marketplace guy do it, keep us posted, srs
500 deductible to fix my cracked windshield
To fix the windshield through tesla is between 1600-2000
Does anyone know if this effects my futures rates if i filed a claim? Is it worth it to just pay out of pocket?
Wheres kimm4 for my help? Didnt you work for auto insurance please help.
Edit : found a guy on fb marketplace in philly he says hell do it for $ 790 might let him do it
To fix the windshield through tesla is between 1600-2000
Does anyone know if this effects my futures rates if i filed a claim? Is it worth it to just pay out of pocket?
Wheres kimm4 for my help? Didnt you work for auto insurance please help.
Edit : found a guy on fb marketplace in philly he says hell do it for $ 790 might let him do it
Have fun and be yourself :-)
03-10-2026, 08:08 AM
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#5
- MarioMiami305
- Join Date: Jul 2022
- Age: 56
- Posts: 13,804
- Subscribers: 2
- Rep Power: 0
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Originally Posted By CocoaButterMage⏩
He has good reviews on fb
let the FB marketplace guy do it, keep us posted, srs
-germ theory is 100% fake
-raw meat , raw eggs , raw butter, raw milk everyday crew
-no alcohol crew
-moisturize with butter and wash face with milk crew
03-10-2026, 08:09 AM
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#6
03-10-2026, 08:13 AM
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#7
- MarioMiami305
- Join Date: Jul 2022
- Age: 56
- Posts: 13,804
- Subscribers: 2
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Originally Posted By GooBaaa⏩
Hes got good reviews
Going to Philly for a windshield lol your definitely getting robbed
-germ theory is 100% fake
-raw meat , raw eggs , raw butter, raw milk everyday crew
-no alcohol crew
-moisturize with butter and wash face with milk crew
03-10-2026, 09:26 AM
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#8
03-10-2026, 10:19 AM
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#9
- N0rds
- "7'7" Norwegian chad with blonde hair blue eyes immigrant and a btc billionaire" -Tranny Maria
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- N0rds
- "7'7" Norwegian chad with blonde hair blue eyes immigrant and a btc billionaire" -Tranny Maria
- Join Date: May 2012
- Location: AntiTranny Aktion
- Height: 6'6"
- Posts: 32,245
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Originally Posted By radrd⏩
They do.
Comprehensive claims shouldn't affect your rates though I would give them a call and ask what, if any, effect it could have on your insurability. Just to be safe.
Make sure you use a reputable company. Imagine if the dude off FB fucks it up and doesn't back up his work. You'll be out $790 and have to take him to small claims court to get it back, plus pay someone else to do it right.
Make sure you use a reputable company. Imagine if the dude off FB fucks it up and doesn't back up his work. You'll be out $790 and have to take him to small claims court to get it back, plus pay someone else to do it right.
I got a "free windshield" replacement since I had 0 deduct windshield on my policy.
Upon renewal time a few months later I said "zero claims" and got rejected, I could only renew my 20 year policy by saying I have 1 claim on my insurance... I forget how much if any it went up, but they do consider it a claim. I think my rates went up like 20-80 bucks per year? I forget it was a few years back, but I was shocked they busted me for saying "zero claims", and wouldn't renew unless I told them I had "1 claim" on progressive....
Yeah its "official policy" that "it doesn't affect your rates" but back here in the real world....
"Boss not feel good please use sick day" - low IQ tranny.
"Send him to Phaggy_Cholo"
03-10-2026, 10:26 AM
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#10
- Godfrd824
- Join Date: Oct 2008
- Location: DevilMayRage's Head, Rent Free
- Posts: 57,255
- Subscribers: 2
- Rep Power: 383238
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Mario. I cannot put myself in your shoes for many reasons. And I don't know your financial situation. What I can say is that adding zero deductible glass coverage to your insurance is like $15/m.
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
03-10-2026, 11:10 AM
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#11
- GooBaaa
- Join Date: Sep 2011
- Location: Buffalo NY
- Posts: 58,775
- Subscribers: 5
- Rep Power: 435368
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Originally Posted By N0rds⏩
They will drop you too if you do too many windshield replacements too
They do.
I got a "free windshield" replacement since I had 0 deduct windshield on my policy.
Upon renewal time a few months later I said "zero claims" and got rejected, I could only renew my 20 year policy by saying I have 1 claim on my insurance... I forget how much if any it went up, but they do consider it a claim. I think my rates went up like 20-80 bucks per year? I forget it was a few years back, but I was shocked they busted me for saying "zero claims", and wouldn't renew unless I told them I had "1 claim" on progressive....
Yeah its "official policy" that "it doesn't affect your rates" but back here in the real world....
I got a "free windshield" replacement since I had 0 deduct windshield on my policy.
Upon renewal time a few months later I said "zero claims" and got rejected, I could only renew my 20 year policy by saying I have 1 claim on my insurance... I forget how much if any it went up, but they do consider it a claim. I think my rates went up like 20-80 bucks per year? I forget it was a few years back, but I was shocked they busted me for saying "zero claims", and wouldn't renew unless I told them I had "1 claim" on progressive....
Yeah its "official policy" that "it doesn't affect your rates" but back here in the real world....
03-10-2026, 11:20 AM
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#12
- Godfrd824
- Join Date: Oct 2008
- Location: DevilMayRage's Head, Rent Free
- Posts: 57,255
- Subscribers: 2
- Rep Power: 383238
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Originally Posted By N0rds⏩
I have used mine various times and my policy has never gone up in price. I have progressive.
They do.
I got a "free windshield" replacement since I had 0 deduct windshield on my policy.
Upon renewal time a few months later I said "zero claims" and got rejected, I could only renew my 20 year policy by saying I have 1 claim on my insurance... I forget how much if any it went up, but they do consider it a claim. I think my rates went up like 20-80 bucks per year? I forget it was a few years back, but I was shocked they busted me for saying "zero claims", and wouldn't renew unless I told them I had "1 claim" on progressive....
Yeah its "official policy" that "it doesn't affect your rates" but back here in the real world....
I got a "free windshield" replacement since I had 0 deduct windshield on my policy.
Upon renewal time a few months later I said "zero claims" and got rejected, I could only renew my 20 year policy by saying I have 1 claim on my insurance... I forget how much if any it went up, but they do consider it a claim. I think my rates went up like 20-80 bucks per year? I forget it was a few years back, but I was shocked they busted me for saying "zero claims", and wouldn't renew unless I told them I had "1 claim" on progressive....
Yeah its "official policy" that "it doesn't affect your rates" but back here in the real world....
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
03-10-2026, 11:50 AM
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#13
- N0rds
- "7'7" Norwegian chad with blonde hair blue eyes immigrant and a btc billionaire" -Tranny Maria
-
- N0rds
- "7'7" Norwegian chad with blonde hair blue eyes immigrant and a btc billionaire" -Tranny Maria
- Join Date: May 2012
- Location: AntiTranny Aktion
- Height: 6'6"
- Posts: 32,245
- Subscribers: 8
- Rep Power: 445505
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Originally Posted By GooBaaa⏩
Interesting.
They will drop you too if you do too many windshield replacements too
Noted.
Luckily I'm not dumb, and I don't pour boiling water on my windshield to "clear away the ice" like the Tranny above did.... so I've only had one replacement in the last decade...
Originally Posted By Godfrd824⏩
I forget the specifics, but the amount was so little (less than the price of the windshield) I didn't care enough to do anything but renew.
I have used mine various times and my policy has never gone up in price. I have progressive.
"Boss not feel good please use sick day" - low IQ tranny.
"Send him to Phaggy_Cholo"
03-10-2026, 01:09 PM
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#14
Originally Posted By MarioMiami305⏩
Windshield claims do appear on CLUE reports, but they generally do not have a meaningful impact on premium unless there are multiple claims. That said, the rise in windshield claim frequency is contributing to broader premium increases in some states, particularly in the Northeast and Florida, though that is a separate issue.
500 deductible to fix my cracked windshield
To fix the windshield through tesla is between 1600-2000
Does anyone know if this effects my futures rates if i filed a claim? Is it worth it to just pay out of pocket?
Wheres kimm4 for my help? Didnt you work for auto insurance please help.
Edit : found a guy on fb marketplace in philly he says hell do it for $ 790 might let him do it
To fix the windshield through tesla is between 1600-2000
Does anyone know if this effects my futures rates if i filed a claim? Is it worth it to just pay out of pocket?
Wheres kimm4 for my help? Didnt you work for auto insurance please help.
Edit : found a guy on fb marketplace in philly he says hell do it for $ 790 might let him do it
At your renewal, be sure to select the windshield replacement option on your policy. The cost is $120 annually and it provides coverage with no deductible.
You should also have the windshield replaced through Safelite or your Tesla dealership. Otherwise, any future related claim could potentially be denied if the carrier determines the damage worsened due to lack of timely repair. Since you have a Tesla, proper calibration is especially important because the windshield integrates with the vehicle’s cameras and driver-assistance systems.
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