I looked outside just now and saw that it was snowing! Because snowplows are so active during the winter in utah, the amount of rocks and debris on the roads is a lot greater in the winter. Here are a couple of tips to avoid problems with your car windshields this season.
Tip 1
Fix any windshield chips you have right now! The cold temperatures could easily turn that chip into a crack. The cold weather is here, so this is something to do in the next day or so. It's much easier to have a chip fixed, than it is to get a new windshield. Most auto insurance companies will pay for you to have a chip fixed, so they don't end up paying for a new windshield instead!
Tip 2
Consider lowering the comprehensive deductible on your auto insurance to $100. Windshield coverage falls under the comprehensive coverage on your auto insurance policy. In most cases, it's quite affordable to lower your comprehensive deductible to $100 from $500 or $1,000. Many of the windshield repair companies in Utah are willing to pay that $100 deductible for you, often times allowing you to get a free windshield if you need it!
Of course, sometimes it takes some haggling. In the past, if I've been told a company won't waive my $100 deductible, I've told them that I'll go somewhere else. Normally, they'll say "hang on", talk to their "manager" and get back on the phone willing to waive my $100 deductible. Our family has done this three times in the last five years and it has worked every time!
Good luck and drive safe!
Sincerely,
Jared Balis
Utah Insurance Advisors
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