September 29, 2023


Only Automotive

Is It Value It? (2023)

7 min read

Affiliate disclosure: Automoblog and its companions could also be compensated whenever you buy the merchandise under.

Those that’d like Progressive glass protection typically steer towards complete insurance coverage, which covers claims to your automobile that don’t contain a collision. Whereas some auto insurers provide a selected coverage for windshield insurance coverage, Progressive doesn’t give drivers that choice.

A number of states require even the perfect automotive insurance coverage corporations to offer zero-deductible windshield restore and substitute as a part of complete protection. Drivers in most states, nonetheless, will discover that Progressive glass protection solely applies if they’ve complete insurance coverage and are keen to first pay a deductible.

What’s Progressive Glass Protection?

Progressive glass protection isn’t really its personal coverage, as drivers solely obtain it in the event that they first choose up complete insurance coverage. Windshield replacements and repairs are, in actual fact, one of the vital widespread makes use of for complete protection.

It’s price utilizing full glass protection in case your automobile’s windshield is broken resulting from vandalism, hail or flying objects. After an accident, both your collision protection or the opposite driver’s legal responsibility insurance coverage ought to maintain the auto glass declare.

Does Insurance coverage Cowl Windshield Substitute?

Progressive auto insurance coverage covers windshield substitute for individuals who have complete protection from the corporate. Progressive windshield substitute companies don’t apply for individuals who solely have minimal protection, so it’s sensible to choose up complete and collision insurance coverage in case you’d wish to keep away from paying out of pocket.

Windshield protection is comparatively low-cost from Progressive, and those that accomplish that by getting complete protection obtain intensive safety. This insurance coverage kind retains your automobile protected from damages that didn’t end result from a automotive accident, and it usually makes journeys to the restore store extra reasonably priced.

Does Progressive Glass Protection Require a Deductible?

Nearly all of drivers might want to pay a deductible earlier than Progressive glass protection kicks in, however that’s not the case all over the place. The next states mandate that every one policyholders with complete insurance coverage obtain zero-deductible windshield restore and substitute:

In a couple of different states, auto insurers should give drivers the selection to pay for added insurance coverage protection that eliminates their windshield deductible. Motorists should first have complete insurance coverage to qualify for this add-on, and so they should stay in one of many states under:

  • Arizona
  • Connecticut
  • Massachusetts
  • Minnesota
  • New York

Whereas Progressive covers zero-deductible claims in a couple of states, that’s not true in most. Motorists in states not listed above can anticipate to pay a glass deductible no matter their present insurance coverage protection.

How Do I Make a Progressive Glass Protection Declare?

You need to file a declare for glass protection instantly after your windshield breaks, chips or cracks. Pull your automobile over when it’s protected, take footage of your automotive’s damages and ship them to Progressive.

Progressive makes it comparatively easy for drivers to maneuver by the claims course of. Log into your on-line account through the app or go to Progressive’s web site and file an insurance coverage declare utilizing the supplied type. Alternatively, you need to use the corporate’s hotline by calling 1-800-776-4737.

Whereas an auto glass declare might barely enhance your premiums, it received’t mark you as somebody with a bad driving record. Repeated claims, then again, might point out that you simply observe different autos too intently whereas on the street.

Do I Want To Restore a Damaged Windshield?

It’s extraordinarily vital that you simply restore a windshield or one other auto glass part that will get cracked, chipped or in any other case broken. It’s not solely unlawful to drive with a damaged windshield, but additionally fairly harmful.

Federal pointers state that you could’t drive a automobile with greater than slight damages to the middle of your windshield. The middle of your windshield is outlined as all over the place above the steering wheel besides for 2 inches from the highest and a single inch from each different facet. It’s unlawful to drive a automotive with even minor glass harm that connects to different drawback areas.

Sure states might have extra restrictive necessities. Regardless, it’s extremely harmful to get behind the wheel of a automotive with a marginalized viewing space, as occurs resulting from glass damages.

How A lot Does Windshield Restore Price?

Windshield restore is usually considerably cheaper than a full glass substitute declare, because it sits within the vary of $100 to $250. Actual prices are based mostly on the extent of the repairs that must be carried out to repair the glass chip, crack or spidering.

Then again, windshield substitute is an expensive endeavor. Most drivers can anticipate to spend a minimal of $600, whereas a big quantity face substitute prices of $1,000 or larger. The excessive worth of windshield substitute is one cause why many motorists want Progressive glass protection. After your complete deductible, the price of windshield substitute will likely be decreased to nothing.

The precise price of windshield substitute or auto glass restore is dependent upon elements comparable to your chosen glass store, the kind of glass used to your automotive and the kind of protection you may have. Whereas Progressive insurance coverage brokers suggest Safelite, motorists are in a position to go to just about any store to repair a broken windshield.

Our Suggestions for Auto Insurance coverage

Progressive glass protection is an affordable choice for drivers, however there are many different auto insurance coverage suppliers to think about. We’d counsel getting a number of automotive insurance coverage quotes earlier than deciding on Progressive, as that manner you’ll be capable to discover the market’s most compelling provides.

The simplest methods to decrease automotive insurance coverage charges are by evaluating free automotive insurance coverage quotes, by bundling an auto coverage with householders or renters insurance coverage and by rethinking your present protection sorts and limits.

State Farm: Greatest Total

Those that choose State Farm usually obtain aggressive charges from accessible insurance coverage brokers unfold everywhere in the nation. Younger drivers particularly obtain glorious costs from State Farm, and it’s straightforward to qualify for the corporate’s automotive insurance coverage reductions. As with Progressive glass protection, you’ll obtain windshield restore and substitute companies by your complete insurance coverage coverage.

GEICO: Greatest Reductions

GEICO is likely one of the finest auto insurance coverage suppliers within the U.S., as seen by its steady monetary standing and strong choice of insurance coverage merchandise. The corporate has an intensive set of auto insurance coverage reductions, with financial savings for everybody from younger drivers to those that serve within the army or work for the federal authorities. As soon as once more, GEICO’s windshield substitute companies are mixed with complete insurance coverage.

USAA: Greatest Navy Supplier

If you happen to’re a veteran or an energetic member of the U.S. armed forces, USAA is probably going a terrific alternative. The corporate is understood for its reasonably priced costs and it provides among the highest-rated customer support within the trade. Notice that eligibility is proscribed to those that are in or associated to a member of the U.S. army. Windshield damages are handled by your complete plan as with Progressive glass protection.

Incessantly Requested Questions (FAQs)

Does windshield insurance coverage cowl rock chips?

Complete protection does cowl glass chips ensuing from rocks hitting your windshield. Be sure to file a windshield declare instantly after you discover the formation of a crack. Failing to take action can have an effect on your probabilities of getting the help and companies you want.

Does auto insurance coverage cowl damaged home windows from a break-in?

Damaged home windows from a break-in are thought of a type of vandalism and often get lined by your complete insurance coverage coverage. Essential repairs or replacements will likely be partially or totally paid for by your insurer, relying in your coverage’s deductible.

Can I drive round with a cracked windshield?

Driving round with a cracked windshield is inadvisable and oftentimes unlawful. Leaving the crack unattended for too lengthy could cause it to unfold, making it a much bigger security hazard. So, it’s finest to get it repaired or changed by an expert as quickly as doable.

How lengthy are you able to drive round with a cracked windshield?

How lengthy you’re in a position to drive round with a cracked windshield is dependent upon the severity of the harm. Minor cracks are unlikely to unfold, permitting you to drive for months or years with out further harm. That mentioned, it’s finest to restore or change potential points as quickly as doable since cracks can dramatically weaken your windshield.


The Detroit Bureau collects information from each main automotive insurance coverage supplier to formulate rankings of the perfect insurers. Our in-depth score system takes under consideration market share, protection, auto insurance coverage charge estimates generated by Quadrant Data Companies, buyer satisfaction and scores from trade consultants. Every insurer is given a weighted rating in 4 classes, in addition to an total rating out of 10.0.

We suggest auto insurance coverage corporations based mostly on these rankings, however we additionally encourage you to carry out your personal analysis and evaluate quotes to seek out the perfect protection.

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