1st, in most states and provinces (US & Canada), this is NOT a stand-alone premium. It’s usually already included in your comprehensive coverage for your car, BUT you are in fact paying extra for it. They don’t tell you that though. They just tell you, yes, yes, that’s all covered with your comprehesive coverage. You’ll be surprised how much glass coverage actually costs. It’s average $180 per year on your car insurance.

2nd, logically, it’s true that if the cost of the auto glass repairs exceeds the cost of of the insurance coverage, multiplied by the risk factor (ie. parked indoor/outdoor, good/bad neighbourhood, lots of high way driving behind trucks, etc.), then you should get the glass coverage on your insurance. BUT, if you don’t think that you’ll run into any glass damage, I say, opt-out for it and save yourself the average of $180/yr on your car insurance. Your broker will usually not give you this option unless you ask!

So, think about your situation, and ask how much it actually costs for you to have the coverage vs. repair costs (if any that you may run into), and make your decision.

I work for Allstate Insurance, so I know. A lot of folks do not know about this ‘option’. They think it’s all included, but nope, you are paying extra for it my friends.

Cheers and Happy Driving.