ANOTHER WINDSHIELD Bites the Dust - What Number are You On?

Mike Pierson said:
FYI: I called my State Farm ins agent to finally put a claim in for my big windshield chip. They offered to fix it for free but I told her that it’s the original glass and it’s really pitted and difficult to see through in certain conditions… getting a brand new OEM installed next week for free. 😁 She said it’s part of our comprehensive and that the deductible is $0. So those of you with State Farm should have the same options.

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If you do the math, you will find that you have already paid for the windshield many times over already. The insurance company is making a killing from me. It seems better to pay that money into a savings or investment account since it won't take long to save enough for a windshield.
 
bobfriesenhahn said:
If you do the math, you will find that you have already paid for the windshield many times over already. The insurance company is making a killing from me. It seems better to pay that money into a savings or investment account since it won't take long to save enough for a windshield.
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We don’t have special windshield coverage like I thought, it’s just the standard comprehensive. However, if you do the math, just paying for insurance, we’ve paid for the vehicle, the house, the toys, etc., at least I got some of my premium back this time. Works for me.
 
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bobfriesenhahn said:
If you do the math, you will find that you have already paid for the windshield many times over already. The insurance company is making a killing from me. It seems better to pay that money into a savings or investment account since it won't take long to save enough for a windshield.
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You're legally required to carry vehicle insurance. So if you're already paying, why not make it count? A car loses value the moment you drive it off the lot, but repair costs stay high. That’s a bad equation unless your coverage actually protects you.

Personally, I’d rather spend an extra $65 a month for a $0 deductible and solid 100/300/100 coverage than skimp and get hit with a $1,400 bill for a single windshield. And I’m not speaking hypothetically. I’ve owned this vehicle for 10 months and I’m already on windshield #3. Without the low deductible, I’d be out $2,800 for two replacements in less than a year. That’s nearly four years’ worth of the upgraded insurance cost.

Do the math: $65/month adds up to $780 a year. At $1,400 per windshield, I could replace 21 windshields before the cost of repairs outweighs the extra coverage. That’s not being wasteful, that’s protecting an investment.
 
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Gossamer JL said:
You're legally required to carry vehicle insurance. So if you're already paying, why not make it count? A car loses value the moment you drive it off the lot, but repair costs stay high. That’s a bad equation unless your coverage actually protects you.

Personally, I’d rather spend an extra $65 a month for a $0 deductible and solid 100/300/100 coverage than skimp and get hit with a $1,400 bill for a single windshield. And I’m not speaking hypothetically. I’ve owned this vehicle for 10 months and I’m already on windshield #3. Without the low deductible, I’d be out $2,800 for two replacements in less than a year. That’s nearly four years’ worth of the upgraded insurance cost.

Do the math: $65/month adds up to $780 a year. At $1,400 per windshield, I could replace 21 windshields before the cost of repairs outweighs the extra coverage. That’s not being wasteful, that’s protecting an investment.
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You're trying to reason with Bob. He'll likely respond with another AI Bot response.
 
bobfriesenhahn said:
If you do the math, you will find that you have already paid for the windshield many times over already. The insurance company is making a killing from me. It seems better to pay that money into a savings or investment account since it won't take long to save enough for a windshield.
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If you do the math, you are wrong. $0x60 months is $0. Do you want my 2 year old to tutor you?
 
OverlanderJK said:
If you do the math, you are wrong. $0x60 months is $0. Do you want my 2 year old to tutor you?
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I am sure that your 2 year old is a genius. It runs in the family.

For us, the zero-deductble windshield coverage is an option (which we continue to pay).

You might replace 3 windshields in a year, or it might take 6 years (as it did for me).

Regardless, it is easier for us (humans) to part with a routine small payment to the insurance company than to be faced with paying for the repair directly. If it is just a crack, then most of us would be willing to live with the crack rather than paying for the replacement.
 
bobfriesenhahn said:
If you do the math, you will find that you have already paid for the windshield many times over already. The insurance company is making a killing from me. It seems better to pay that money into a savings or investment account since it won't take long to save enough for a windshield.
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bobfriesenhahn said:
I am sure that your 2 year old is a genius. It runs in the family.

For us, the zero-deductble windshield coverage is an option (which we continue to pay).

You might replace 3 windshields in a year, or it might take 6 years (as it did for me).

Regardless, it is easier for us (humans) to part with a routine small payment to the insurance company than to be faced with paying for the repair directly. If it is just a crack, then most of us would be willing to live with the crack rather than paying for the replacement.
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Do you argue with yourself on a regular basis?
 
So, I almost forgot to post this but, here's a shot of what the rock strike on our big Gladiator looked like before...
20250917172838-ac7102a2.jpg


And, here's what it looks like after I used the RainX repair kit...
20250927184800-a24a53fc.jpg

20250927184801-c6b46586.jpg


And I should note, I would have taken a closer pic but it's so faint now, I couldn't get my phone to focus on it.
 
wayoflife said:
So, I almost forgot to post this but, here's a shot of what the rock strike on our big Gladiator looked like before...
20250917172838-ac7102a2.jpg


And, here's what it looks like after I used the RainX repair kit...
20250927184800-a24a53fc.jpg

20250927184801-c6b46586.jpg


And I should note, I would have taken a closer pic but it's so faint now, I couldn't get my phone to focus on it.
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That looks great.
 
wayoflife said:
Thanks! I have to say that I'm really happy with the fix especially being that you can hardly see it at all now. Can't believe Safelite was going to charge $170+ to do the same thing :rolleyes:
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Honestly back in the day for 40 bucks, anyone would jump at the opportunity. Replacements were 150-200. Crazy repair costs are what they are now when anyone like you can just go buy a kit.
 
bobfriesenhahn said:
I am sure that your 2 year old is a genius. It runs in the family.

For us, the zero-deductble windshield coverage is an option (which we continue to pay).

You might replace 3 windshields in a year, or it might take 6 years (as it did for me).

Regardless, it is easier for us (humans) to part with a routine small payment to the insurance company than to be faced with paying for the repair directly. If it is just a crack, then most of us would be willing to live with the crack rather than paying for the replacement.
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You think that deductible is only for windshields? Lol how cute.
 
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