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Does Progressive auto insurance coverage cowl windshield alternative?


Rachel Bodine graduated from school with a BA in English. She has since labored as a Function Author within the insurance coverage business and gained a deep information of state and countrywide insurance coverage legal guidelines and charges. Her analysis and writing concentrate on serving to readers perceive their insurance coverage protection and tips on how to discover financial savings. Her skilled recommendation on insurance coverage has been featured on websites like PhotoEnforced, All…

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Rachel Bodine
Insurance coverage Function Author

Leslie Kasperowicz holds a BA in Social Sciences from the College of Winnipeg. She spent a number of years as a Farmers Insurance coverage CSR, gaining a stable understanding of insurance coverage merchandise together with residence, life, auto, and business and dealing instantly with insurance coverage prospects to know their wants. She has since used that information in her greater than ten years as a author, largely within the insurance coverage…

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Reviewed by


Leslie Kasperowicz


Farmers CSR for 4 Years


Leslie Kasperowicz

UPDATED: Aug 5, 2022

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What You Ought to Know

  • Complete protection will cowl any damages to the windshield from a non-vehicle or object collision 
  • Collision protection will cowl any damages to the windshield from an object or automobile collision 
  • It isn’t all the time value submitting a declare if the deductible is larger than the windshield alternative price

If you get auto insurance coverage quotes and join a coverage, you might not instantly be involved if your organization covers glass damages.

Nevertheless, in case you have a Progressive auto insurance coverage coverage and a broken windshield, it is very important know the ins and outs of the reply to “Does Progressive cowl windshield alternative?” Progressive will substitute your windshield in case you have complete or collision auto insurance coverage protection and the harm warrants alternative. 

Learn on to study extra about Progressive and windshield replacements, resembling what coverages you’ll want to hold and when it’ll restore a windshield as a substitute of changing it. 

Does Progressive cowl windshield alternative?

To qualify for a windshield alternative, you will have to have the best coverages at Progressive, and the damages have to be unhealthy sufficient that they will’t restore them. 

Coverages Wanted for Progressive Windshield Substitute

You’ll probably want complete auto insurance coverage protection to qualify for windshield alternative. Complete protection will substitute your window whether it is broken by the next: 

  • Vandalism or theft 
  • Animal collisions 
  • Climate occasions 
  • Hearth 

With complete protection, Progressive will cowl any harm to the windshield attributable to one thing apart from a collision with one other automobile or object. 

Collision protection is the opposite protection you’ll want to guard your automobile’s windshield. For instance, for those who trigger a collision with one other automotive or an object, resembling a mailbox, you’ll want collision protection to pay for windshield harm. 

Collision and complete coverages will guarantee your windshield is roofed in varied conditions. 

Damages That Will End in Windshield Substitute 

In case your Progressive insurance coverage coverage covers the occasion, it’ll substitute your windshield if it could actually’t restore the crack or chip. Usually, a crack over six inches can’t be repaired, and the entire windshield must be changed. 

If the harm might be repaired, Progressive will often restore the crack or chip within the windshield without cost with out you having to pay your deductible. It is because it’s less expensive for Progressive to restore a windshield than pay for a alternative. 

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When to File a Declare for Windshield Substitute at Progressive 

It’s not all the time in your greatest curiosity to file a automotive insurance coverage declare for windshield restore or alternative. As a substitute, take into account how a lot your windshield will price to switch towards how a lot your charges would possibly improve. 

As well as, it’s not all the time value submitting a declare in case you have a excessive deductible. For instance, in case you have a $1,000 deductible however the associated fee to switch your windshield is simply $500, it’s not value submitting a declare. Both approach, you’ll pay for the alternative as a result of the restore price is lower than your deductible. 

To find out the windshield’s alternative price, insurance coverage firms take a look at your automotive’s make and mannequin, your location, and the kind of glass used. Trying up comparative prices of windshield replacements for vehicles just like yours may also help you establish whether it is value submitting a declare or not. 

Nevertheless, it’s greatest to not wait too lengthy to file a declare or get your windshield repaired or changed. Cracks and chips can unfold simply, turning what was initially a small restore right into a full glass alternative. You additionally shall be extra unlikely to go a state inspection with a cracked or chipped windshield.  

How do I file a windshield declare with Progressive? 

The method is straightforward for those who resolve it’s best to file a declare for windshield alternative or restore with Progressive. Not like submitting severe claims for different medical insurance or life insurance coverage insurance policies, resembling unintended dying life insurance coverage, submitting claims for automotive insurance coverage is straightforward and simple:

  • Submit declare. You possibly can submit your declare at Progressive by the app, on-line, or by telephone. Comply with the directions given for submitting your declare, resembling taking footage of the damages and describing the accident. 
  • Schedule repairs. As soon as Progressive approves your declare, you possibly can schedule a date and time to usher in your automotive for repairs or alternative. 

Progressive and the restore store will decide in case your windshield wants repaired or changed, and Progressive will resolve the payout quantity. 

The Ultimate Phrase on Progressive Windshield Substitute 

Within the majority of circumstances, you’ll want to hold complete protection to your windshield alternative to be coated by Progressive. You also needs to carry collision protection for any damages not coated by your complete protection. 

In case you are in search of windshield protection to guard your self when driving, purchasing round and evaluating quotes is without doubt one of the greatest methods to seek out financial savings. Use our free quote comparability software to seek out the very best auto insurance coverage charges from firms in your space. 

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