Should I Use Insurance to Replace Windshield

Rabbit Auto Glass Replacement of Phoenix is an Arizona's #1 auto glass company, offering premier auto glass repair and replacement services throughout the valley.

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Should You Use Insurance to Replace Your Windshield

Using your insurance to replace your windshield usually depends on the type of glass coverage you have. If you have a high deductible it may make more sense to pay out of pocket. However if you have $0.00 deductible and it is only a couple times a year, then your auto glass insurance should not go up and you can usually get some cash back through the company you choose.


Phoenix Arizona Auto Glass for instance offers up to $150 cash back on your windshield replacement. Click here for Details.



It is important to understand that cash rebates are paid by the auto glass company not the insurance company. Often times people get confused and think that they are taking advantage or committing insurance fraud. However unless you're picking a company known for doing it like A&E Auto Glass they are just giving you some cash back for being a valuable customer.


Feel free to do your research on the company you choose but in terms of whether or not you should use your insurance to replace your windshield it comes down to 3 things. Is your deductible less than the cost of the windshield? Are you working with a reputible company that takes your insurance? Have you made a ton of claims this year?



If you have any questions about using your insurance to replace a broken windshield feel free to give us a call at (800) 674-9208.

When should I Replace My Autoglass

Anxious cartoon rabbit beside a car with cracked windshield, Phoenix setting. Text warns of higher insurance, labor costs & safety risks.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
In Arizona heat, cracks spread faster, safety systems rely on the windshield for support, and small delays often turn repairs into full replacements.
Cartoon rabbit with magnifying glass inspecting car windshield; promoting auto glass inspection.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
Professional Auto Glass Inspection includes inspecting condition, installation quality, and safety related performance. The process includes exterior and interior assessments, seal and mounting checks, and visibility verification.
Cartoon rabbit concerned about a windshield, insurance claim, and potential costs in a Phoenix desert setting.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
Phoenix heat, intense sunlight, and monsoon weather accelerate crack growth and weaken structural integrity faster than many drivers expect. Waiting can compromise visibility, reduce crash protection, and increase overall costs.
Cartoon rabbit holding insurance claim, thumbs up, in front of auto glass shop, Phoenix, with cracked windshield.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
Choosing a quality auto glass repair shop in Phoenix or Tucson means looking beyond price alone.
An animated rabbit,
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
What you do in the first moments after damage appears can affect safety, repair eligibility, and long term costs. Arizona heat accelerates crack spread, so fast and informed action matters.
Cartoon rabbit in mechanic uniform points to a clipboard detailing Arizona windshield replacement requirements. Desert backdrop.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
Arizona does not publish a single size based statute for cracks or chips, but it does enforce safety, visibility, and equipment standards through vehicle code, inspection rules, and federal adoption. Replacement becomes required when damage interferes with the driver’s clear view, compromises structural safety,
Cartoon rabbit mechanic in Phoenix, showing insurance claim form, next to a cracked windshield with desert background emphasizing chip repair importance.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
In Phoenix, a small windshield chip can turn into a spreading crack faster than many drivers expect. Extreme heat and rapid temperature changes stress the glass, especially when a chip already exists.
Cartoon bunny in construction gear holding checklist in Phoenix, with thermometer and construction workers.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
Phoenix heat does not just affect comfort, it directly changes how automotive urethane adhesives behave. High temperatures speed chemical reactions, shorten working time, and can weaken long term bond strength if conditions are not controlled.
Rabbit mascot installing windshield in hot climate with cracked glass, sun, and thermometer.
By Rabbit Auto Glass of Phoenix and Tucson January 14, 2026
In hot climates like Phoenix, proper windshield installation is more critical than many drivers realize.
Cartoon rabbit in a mechanic uniform debunks windshield repair myths in Phoenix, Arizona.
By Rabbit Auto Glass of Phoenix January 14, 2026
Extreme heat, road vibration, and long commutes in Arizona make these misconceptions costly and sometimes unsafe. Not every chip is harmless, cracks do not politely wait, and do it yourself kits rarely survive Phoenix heat.