Frequently Questions asked by our Customers.
If I file an insurance claim for auto glass won’t my rates go up?
This is the most common insurance related question that we receive. In most cases, filing an auto glass claim has no effect on your annual insurance premium. We say usually to protect ourselves because is it is impossible to monitor every insurance company, but in more than 10 years we haven’t ever heard of an insurance company increasing the premiums of a customer for filing an auto glass claim. This is because auto glass coverage in Arizona (and a few other states) is handled differently than in the rest of the country. In Arizona, insurance companies are required by law to offer their customers zero deductible, full auto glass replacement coverage. (In other states, there is usually some kind of deductible.) This is due to the fact that glass damage is such a common occurrence due to our climate and terrain. This auto glass breakage coverage is considered an endorsement separate from the comprehensive coverage and typically adds a specific cost to the total policy premium. Because this coverage is purchased for the specific purpose of reimbursing consumers for the cost of repairing or replacing their auto glass in Phoenix and surrounding areas, you should never hesitate to use the coverage and file a claim if you have damage. If you are afraid to use the auto glass coverage then you should remove it from your policy and save yourself the money your insurance company is charging you for it.
Do I have to use the Phoenix auto glass company my insurance company recommends?
Definitely not. Regardless of your insurance company, they will have an auto glass company they can and will often refer you to. The biggest mistake you as a consumer can make is to let the insurance company decide which auto glass company repairs or replaces your auto glass. Let’s face it; insurance companies are in business to make money. If they can refer you to an auto glass provider that they have a financial arrangement with (that will save them money at your expense). One large auto glass company in particular is the auto glass provider of choice for many of the large discount insurance companies. Without getting into too many specifics relating to why it is bad to let your insurance company choose an auto glass shop for you, why not just hop online and read some reviews. We live in a day and age where it is quick and easy to research a Phoenix windshield replacement company yourself. Doesn’t it make more sense to contract with a company with lots of positive customer feedback and five star reviews? At PRO AGC Auto Glass we work will all insurance companies and are considered a Preferred Vendor with many. We also use only the best brands available, something that many of the larger insurance-partnered companies don’t do.
What if I have a deductible?
If we determine that you have a deductible associated with your auto glass coverage, we can often work with you to waive a portion of this deductible. Just give one of our friendly and experienced auto glass representatives a call.
Of course! Our friendly and knowledgeable customer services reps are available to answer your questions 24/7/365.