Different types of auto insurance policies cover different types of claim. Many drivers set up core policies; however, you can also add special coverage to deal with particular types of damage. For example, you can take out a separate auto glass policy on your vehicle if you wish.

Why is this a good idea? 

Auto Glass Insurance Extends Your Coverage

You might have no opportunity to claim for glass damage after an accident or incident under the rules of some standard insurance policies. Or, your options might be too limited to meet all your costs.

For example, if you only have liability insurance, then your carrier won't pay for your repair costs. While comprehensive and collision policies are more likely to cover glass costs, these policies are sometimes limited to windshield damage.

So, if you have damage to other windows or your sunroof, then your policy might not pay for those repairs. Even if your windshield is covered, your insurer might not meet the costs of recalibrating your windshield's cameras if your car has an advanced driver assistance system.

You get more comprehensive coverage if you add an auto glass policy to your insurance portfolio. Even if you only have regular liability insurance, this policy will help you cover glass damage costs.

Coverage can include anything from fixing a minor chip to replacing a broken windshield and recalibrating its camera system. You can also find policies to cover all the glass in your car and not just your windshield. So, you can also arrange protection for your other windows and sunroof.

Auto Glass Insurance Is More Cost-Effective

If you don't think you need comprehensive insurance or collision coverage, then you won't want to take out one or both of these products just to get the auto glass protection you need. You might see this as a waste of money.

Even if you have one of these policies and some glass coverage, you could end up paying more for a glass claim than you expected. Your insurance company pays for your damage, but you'll have to pay your deductible costs.  If you have a high deductible, then it might not be worth making a glass claim. You might just pay for the repair yourself.

Auto glass policies are more cost-effective. They cost less than other products. Plus, many policies have zero or low deductibles. So, it will always make financial sense to use your policy to repair glass damage. You won't have the same levels of out-of-pocket costs.

To find out more, talk to auto glass insurance providers.