Windshield Replacement – Cost Factors

Windshield replacement can be expensive, especially if your insurance company will not pay for it. Replacing your windshield is usually covered if you have comprehensive coverage, which is other than collision, on your policy. It is best to check with your insurance company first before setting up an appointment to have it replaced. If you do have to pay for the cost of windshield replacement there are several factors involved in the final cost, which could cost over two hundred dollars. When you take your car in to have the windshield replaced, the company will first decide if it can be repaired instead of replaced. Not every cracked or chipped windshield will require replacement.

Some of the factors that are considered in the cost of windshield replacement can include:

• Size of the windshield

• Insurance coverage, because most insurance policies have a deductible that the customer has to pay before the insurance will pay, which can range from two hundred fifty dollar and more

• Additional parts that need replaced such as the rubber mounting that goes around the windshield

• The auto glass repair shop, which includes the hourly rate of doing the replacement. If you choose to go to a dealership to have the work done it will be more expansive than a regular auto glass repair ship.

• Towing to the repair shop if the windshield is so damaged it is unsafe to drive the vehicle

One of the most important factors that need to be considered is the type of glass that is used for the windshield replacement. The most expensive glass that can be used in windshield replacement is dealer glass, which is the type of glass that was used for the windshield when it was built. There are other comparable types of windshield glass such as original equipment manufacturer (OEM). This type of glass has to meet or exceed the vehicle manufacturer’s standards but is generally not as costly as dealer glass. The only real differences between the two are the maker, the fact that the OEM glass does not have the manufacturer’s name stamped on the glass, and the price.

There is another choice for windshield replacement glass that does not meet the same standards as OEM windshield glass but it is cheaper. This glass is called aftermarket glass. Other than the more expensive dealer glass, OEM tends to be most popular choice.

In today’s world, you may be able to save the cost of having your car towed to the auto glass repair shop by having a mobile unit come to your home to replace your windshield. The replacement does not take long but it needs a couple of hours to set up before you can drive the vehicle.

Classic Cars – The Cost of Insurance

Classic car insurance policies provide the greatest benefit for the lowest cost to collectors. They are designed for vehicles that appreciate in value. Although policies typically protect unique and valuable automobiles they cost much less than a standard car insurance contract. Proud owners take great care of their prized possessions minimizing the risk of accident or loss.

Naturally, collectors have an appreciation for automobiles in general and are excellent drivers. The average age of an owner is 50 and a college graduate. They tend to be professionals, technicians, or entrepreneurs and own multiple vehicles. Classic collectors pamper their vehicles, use them infrequently, and keep them safe and secure. These factors help keep rates low by making the group as a whole a favorable risk for insurance companies.

Strict qualifications imposed by companies help keep these favorable risk characteristics consistent throughout the group. A poor driving record or youthful operators are not allowed. There are annual mileage limitations and the vehicle must be garage kept. Another car or method of transportation must be utilized by the policyholder for commute to work.

Shopping and comparing rates for a policy is similar to searching for a standard car insurance contract. The typical Information along with greater details about the vehicle and its value are required to receive a rate quote. Policies are available to consumers directly from a company or through an independent agent. The cost of a classic car insurance policy from one company to another is less varied than in the general auto insurance marketplace.

Collectors can find good protection for a low price if they qualify. After the high cost of acquiring a vehicle a low cost insurance policy is relief. Shop as you would a standard policy by comparing quotes from a direct writer, a captive agent, and an independent agent.