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Does Your Car Insurance Go Up for a Cracked Windshield

Car insurance can be a bit confusing, especially if you’re not used to dealing with it. That’s why we’ve put together this blog post to help you understand the basics of car insurance, what it covers and what you need to know if your windshield is cracked. In short, this is an important blog post for anyone who owns a car and needs to make sure their insurance is up to date. So whether you have a new or used car, make sure to check out our blog post for more information on what to do if your windshield is cracked.

What is a windshield?

A windshield is a large, clear window that’s mounted on the front of a car or truck. It’s important to keep your windshield clean because dirt, bugs, and other debris can get caught in the glass and cause scratches or other damage. If your windshield is cracked, it needs to be fixed as soon as possible so the crack doesn’t become bigger and cause more problems.

What are the different types of damage a windshield can suffer?

Windshield damage can be caused by a number of things, from rocks and other debris to liquid substances. The most common type is damage from rain or snow, which can cause a crack in the glass that leads to water infiltration and eventual freezing. Other causes of windshield damage include hail, insects, fireworks, cars hitting other objects, and even gunshots. In any case, if you notice a crack in your windshield and it doesn’t seem to be resolving itself naturally, you should take it to a mechanic for evaluation.

How does insurance work with a cracked windshield?

In the United States, car insurance rates vary depending on the severity of the crack. For example, a small crack that does not extend into the windshield glass can be filled with clear sealant and will not increase your premium. On the other hand, a larger crack that goes all the way through the windshield may require replacement of the entire glass unit. In most cases, if you have a broken window and your vehicle is covered by comprehensive or collision insurance, your premiums will not change even if there is a crack in your windshield.

What do I need to do if my windshield is broken?

If you are driving a car and your windshield is broken, you need to take a few steps to make sure that your car insurance is not going up. First, find out if the break in the window affects your coverage at all. If it does not, you will likely only have to pay for a new window. If the window is an issue, then you will need to call your insurer and let them know. They will likely require that you get a replacement windshield as soon as possible.


When it comes to car insurance, there are a few things you need to know. One of the most common things that can cause your rates to go up is a cracked windshield. Not only can this damage your car and possibly result in needing repairs, but it also increases the risk of getting into an accident. If you’re in any doubt about whether or not your windshield needs to be fixed, speak to your insurance company and get their expert opinion.

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