So, what could be more sleepy than reading (or writing) a 650-word article on auto insurance? After intense reflection, I found a possibility: look at the dry towels. However, if you drive a car in the United States, the law requires that you have your fair share of auto insurance. This article, in particular, discusses one facet of auto insurance coverage: glass coverage.
So what's your point?
The purpose of this information page is not to navigate the quagmire of options, riders or car insurance companies. If you are unsure whether you want "good hands" or a talking lizard, you should dig deeper into the websites on which these companies spend a lot of money to attract your favoritism. Or you might consider getting yourself a reputable insurance agent to act on your behalf. Insurance agents are people who think insurance is fun and therefore can be trusted to answer insurance questions with precision. One resource for finding a reputable agent is the website of America's independent insurance agents and brokers: http://www.iiaa.org.
Again, what's your point?
The purpose of this article is to address only one aspect of auto insurance coverage, namely the aforementioned glass coverage. Should you have it? Should you skip it? In most cases, a glass cover endorsement can be added to your policy at little cost - depending on your situation, it could be less than $ 10 per month. Considering the cost of replacing glass (a windshield alone could cost more than $ 200 to replace), this could be a wise investment. For a quick quote using your vehicle details, go to http://www.safelite.com and click on the "get instant quote" link.
But before making insurance decisions, you must first assess your situation. How much do you drive? Under what conditions? What type of roads?
Let's address these issues individually.
1. How much do you drive?
If you normally drive 3.5 miles on Sunday to go to church and park your vehicle in an environmental garage the rest of the week, you may not need a glass cover. However, if you drive every day and drive for long periods of time, your chances of seeing a windshield damaged due to road debris, garbage dumped by passing motorists, or the occasional erroneous pigeon are statistically greater. high. Calculate your weekly, monthly and yearly mileage to help you get an idea of the time you actually spend on the road. You may be surprised at the results you find.
2. Under what conditions do you drive?
Do you drive in adverse weather conditions? Windy or stormy conditions increase the chances of rubble being blown into your car, and the weather under freezing conditions makes your windows more susceptible to damage by making them more brittle.
3. What type of roads do you drive on?
If you drive on unpaved roads, your chances of catching a stone thrown by another vehicle increase. Also, if you're traveling on highways or freeways, you increase your risk of damage from long-haul trucks or construction vehicles that often drop pieces of things in passing. Plus, your higher speed means that anything hitting your windshield collides with it at a higher speed.
So I guess you are saying that my auto insurance coverage should include glass coverage.
I am not an auto insurance agent. I do not work for any auto insurance company. I don't even play insurance on television. The information presented here is to help you make your own decision - to provide you with this author's auto insurance opinions, and some food for thought. I will say, however, that I am wearing a glass blanket and this has allowed me to replace several windshields in the past three years. And that, my friend, beats the devil of driving with glasses and a scarf like a flying ace from the First World War.
© 2005 Automobile Insurance Directory
