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post #1 of 6 (permalink) Old 03-05-2018 Thread Starter
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Switching Insurance Policy

We would like to know which of the companies below is good with replacing broken windshields with OEM parts in TX without any fuss:

Geico
Progressive
State Farm
Any other worth shopping around?

Our AAA policy is up for renewal this week and since windshields are the most common broken item, we would recommendations for shopping around.

Please let us know.

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post #2 of 6 (permalink) Old 03-05-2018
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I have no experience with claims in Texas... So maybe someone else can chime in with state-specific information... Otherwise, you should talk with an insurance agent licensed in your state.

I have encountered some significant differences in coverage/policies when I lived in Oregon, however.

Geico and Progressive were both about the same (good). I had a few rock chips and they'd send Safelite to me without any fuss, to repair the chip. No additional cost to me (at least, at the time... They do still report a "glass claim" against your record -- so see my note, below).

State Farm, however, was awful for glass coverage. They didn't provide any coverage for rock chips -- I had to pay the entire bill. When I got my second chip while having State Farm I discovered the Rain-X Windshield Repair Kit. It costs about $11 and included enough supplies for me to do 2-3 repairs.

I've moved to another state and a different insurance carrier, but after discovering the Rain-X repair kit, I haven't bothered filing any glass claims. It's too easy to repair myself (15 minutes) and I like being claim-free.

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post #3 of 6 (permalink) Old 1 Week Ago
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I'm currently dealing with GEICO on a windshield replacement for our 2018 MDX we bought less than a month ago. I'm arguing to get OEM the first time around because of what I've heard regarding after market glass and the LKAS and ACC sensors bs. Basically being told that I'd have to pay my regular deductible plus price difference between after market and OEM glass cost. Having the repairs done through a dealer is a whole other mess... Currently waiting on call back regarding what the out of pocket price difference will be. We may end up just paying out of pocket for the whole thing rather than messing with insurance. We'll see how this goes...

We've been with GEICO for years and have always had no problems dealing with them aside from getting OEM parts. I was lucky enough to find a body shop that upgraded to OEM parts at no extra cost after insurance when getting repairs done for my Honda. Haven't visited that road regarding OEM for the Acura yet...
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post #4 of 6 (permalink) Old 1 Week Ago
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Originally Posted by jenfarm3 View Post
I'm currently dealing with GEICO on a windshield replacement for our 2018 MDX we bought less than a month ago. I'm arguing to get OEM the first time around because of what I've heard regarding after market glass and the LKAS and ACC sensors bs. Basically being told that I'd have to pay my regular deductible plus price difference between after market and OEM glass cost. Having the repairs done through a dealer is a whole other mess... Currently waiting on call back regarding what the out of pocket price difference will be. We may end up just paying out of pocket for the whole thing rather than messing with insurance. We'll see how this goes...

We've been with GEICO for years and have always had no problems dealing with them aside from getting OEM parts. I was lucky enough to find a body shop that upgraded to OEM parts at no extra cost after insurance when getting repairs done for my Honda. Haven't visited that road regarding OEM for the Acura yet...
I am confident that the company won't give you any more than they have to base on what your policy says the coverage entails. The coverage you describe is typical. I have Nationwide and they cover all OEM parts but windshield glass. In some states you can get "Full Glass" coverage in which you don't even have to pay deductible. Many times this is an optional coverage.

Even if you don't have OEM glass, they still have to get all the sensors working.

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post #5 of 6 (permalink) Old 1 Week Ago
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Originally Posted by wasjr View Post
I am confident that the company won't give you any more than they have to base on what your policy says the coverage entails. The coverage you describe is typical. I have Nationwide and they cover all OEM parts but windshield glass. In some states you can get "Full Glass" coverage in which you don't even have to pay deductible. Many times this is an optional coverage.

Even if you don't have OEM glass, they still have to get all the sensors working.
You're right. Of course they wanted me to go for after market first time but I wasn't having it. They ended up finding the price difference to be about $500 so it would have been my deductible plus the $500 difference for Safelite to replace with OEM. We ended up just paying for the repair out of pocket and having the replacement done at the dealership. Luckily I was able to get the dealer to discount a few hundred off the OEM glass cost because of the fact that I had just bought my car from them less than two weeks ago and I argued that I'm pretty sure the glass chip was there when I purchased it. It was my mistake for not looking the car over more at time of purchase so I had no proof, obviously, and they didn't either. I was happy with them working with me though.

Lesson learned. Make sure to check the windshield for any chips or damage and have them noted at time of purchase! *face palm* Expensive mistake...
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post #6 of 6 (permalink) Old 1 Week Ago
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As to your question about insurance companies, you might also talk to an independent insurance agent who can shop your coverage (including home, etc) with several companies based on your needs and desired coverage. And the agent can possibly address your windshield coverage with a rider. There are good companies that an independent agent can shop, like Nationwide, Travelers, Liberty Mutual, etc and get the best package for you. One caveat with an independent agent is that a good one will shop your policy every year. A poor one will just renew your policy with the same company as there is less work for him. Insurance is governed by the state and companies are all the time doing rate filings, some of which may be rate reductions to customers with certain characteristics, with the state department of insurance.

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