Insurance FAQ's

No, you don’t need to contact your insurance company or agent prior to reaching out to us. In fact, many insurance companies rely on third-party administrators to manage claims. You can call us directly, and we’ll guide you through the claims process, addressing any questions or concerns you may have before filing. We will assist you in filing your auto glass claim, verify your coverage, and schedule your appointment for our complimentary valley-wide mobile service—all in one call.

Under Arizona law ARS 20-264, Arizona is one of the few states that require insurance companies to offer a separate auto glass endorsement or waiver with any comprehensive policy. Typically, this glass waiver or endorsement comes at a minimal additional premium, regulated by the Arizona Department of Insurance, usually ranging from $10 to $20 per month. This means you might have a comprehensive deductible for collision of $250 or $500, but with the added “glass endorsement or waiver,” your deductible for auto glass repairs could be $0. As a result, any repairs to your auto glass, including windshield replacements, would incur no cost to you. Additionally, if you choose AGS Auto Glass & Calibrations, we’ll pay you up to $150 in cash at the time of service. Thus, having this extra insurance glass endorsement on your policy can quickly pay for itself after just one windshield replacement with us.

Absolutely. According to Arizona State Law 20-469, you have the right to select any auto glass repair service for the installation or repair of your vehicle's glass. Even if your insurer or insurance agent recommends a specific shop for your auto glass replacement, they are required by this law to inform you that you can choose any repair facility that you prefer for your auto glass needs. This means you have the freedom to seek the services of the shop you trust.

Just reach out to us, and we'll help you file your auto glass replacement claim and check your insurance coverage. Feel free to ask any questions regarding your policy. If you do have a deductible or don’t have coverage, we will present you with various options to find the best solution for your needs. We can waive up to $150 of your comprehensive insurance deductible or offer a budget-friendly price for your auto glass replacement.

To discover the manufacturer of your vehicle's windshield, you can look at the Federal Motor Vehicle Safety Standards (FMVSS). All windshields produced and sold in the United States are required to display information about the manufacturing plant, indicated by a Department of Transportation (DOT) code. This DOT code, commonly known as the windshield “bug,” is usually found at the bottom of the windshield. You can take this DOT code from your windshield and input it into the glassBYTES/AGRR database to identify the specific manufacturer of your windshield.

Under Arizona law, you have the freedom to select any auto glass repair shop you wish. Insurance agents or companies may recommend “preferred” facilities that they have financial ties to, such as kickbacks, gift cards, lunches, and discounts. Unfortunately, these perks usually benefit the agents rather than you.

At AGS Auto Glass & Calibrations, we respect your choice and accept all insurance rates and contract pricing without any additional charges. We offer free chip repairs, mobile services, and a nationwide lifetime warranty. Additionally, we are recognized as a preferred auto glass shop by your insurance provider. The major advantage with AGS Auto Glass & Calibrations is that you receive all the benefits, including up to $150 cash at the time of service. This creates a truly beneficial situation for you!

If your deductible is set at $250 or more, the cost of replacing your windshield is often lower than that deductible. In this situation, it may be more beneficial for you to cover the expense out of pocket instead of filing a claim with your insurance. Reach out today for a free, no-obligation quote for an affordable windshield replacement! We gladly accept all major credit cards, debit cards, and cash.

When you file a claim, the insurance company will verify your identity, gather relevant details about the claim, confirm your coverage, and then authorize the auto glass shop you’ve chosen to proceed with the replacement. For more information, check out our auto glass program page, where you can find a comprehensive list of questions your insurance representative may ask during the windshield claim process.

Generally, the entire process should take no more than 15 minutes. This timeframe includes reporting the claim, confirming your insurance coverage, and scheduling your mobile appointment at a time that works best for you.

When navigating a deductible on your insurance policy, it’s essential to clarify to the insurance representative the difference between your comprehensive deductible and the deductible associated with your glass waiver or endorsement. Sometimes, representatives from out-of-state may refer to your comprehensive deductible without acknowledging that you have a $0 deductible for your auto glass endorsement. Be clear in your inquiries about your AUTO GLASS REPLACEMENT COVERAGE, rather than your comprehensive or collision coverage. Many comprehensive policies in Arizona include an auto glass waiver due to the affordable premium rates.

If your deductible is high, like $250, and the cost to replace the glass is lower, it might make more sense financially to obtain a direct replacement quote. In cases where the replacement cost is less than your deductible, it's usually best not to file a claim, as this prevents a claim from being logged against your policy.

For deductibles of up to $150, we offer to waive that amount as part of our up to $150 cash back promotion, providing you with a practical and economical solution.

Absolutely! AGS Auto Glass & Calibrations is an approved service provider for all major insurance companies, including Esurance, Met-Life, AIG, Nationwide, Alliance, Allied, Progressive, Liberty Mutual, American Express, Costco, Encompass, Travelers, AAA, Allstate, Hartford, USAA, Kemper, Farmers, Geico, American Family, and many others.

No, it won’t. Under Arizona state law 20-263, a "no fault" claim for auto glass replacement will not lead to an increase in your rates. This means your insurance company is prohibited from raising your premiums due to incidents caused by vandalism, airborne debris, kicked-up rocks, natural disasters, or severe weather conditions.

Not in the slightest. Typically, the entire process takes just 10 to 15 minutes. You can either reach out to AGS Auto Glass & Calibrations directly or complete an online form, and one of our helpful representatives will assist you throughout the process to ensure everything goes smoothly. We strive to make filing auto glass claims hassle-free and straightforward!

To find out, review your policy for any mention of a waiver or endorsement on the declarations page. Auto glass endorsements or waivers are exclusively available to those who have comprehensive coverage, not just liability coverage. Typically, drivers maintain comprehensive coverage when their vehicle is leased or they are still paying off a loan. In contrast, owners of older cars who have fully paid off their loans often opt for liability insurance due to its lower premium. For more specific coverage details, check your auto insurance policy. Alternatively, feel free to contact us directly, and we can reach out to your insurance provider to verify your coverage. At the very least, you’ll gain clarity on your coverage, and we can provide a low-cost, no-obligation estimate for your repair or replacement needs.

While it might be possible to add coverage, it's not advisable. Many insurance companies now ask for a photo of the damaged windshield or may require an inspection before approving the addition of this coverage.

Absolutely! With any insurance windshield replacement claim, we offer up to $150 cash back on the same day. If you hold a comprehensive policy that includes an auto glass endorsement or waiver, you can receive up to $150 in cash right at the time of service. There’s no waiting involved; the cash is yours as soon as the job is finished, unlike many other auto glass providers.

Not at all. We respect all contracted rates from every insurer, ensuring that neither you nor your insurance company incurs any additional out-of-pocket expenses. In fact, we are an authorized auto glass provider for all major insurance companies, including Allstate, Safeco, Farmers, Geico, USAA, American Family, Liberty Mutual, Alliance, Kemper, Allied, Hartford, and many others.

It may be possible. Some insurance companies offer coverage for OEM or factory glass on vehicles that are only a few years old. For example, if the current year is 2016, coverage might apply to models from 2014 to 2016. Regardless, AGS Auto Glass & Calibrations will work to ensure it's covered by your insurer or provide you with all available options.

When you have liability coverage, insurance companies typically do not provide auto glass endorsements. This type of insurance primarily protects the other party involved in an accident, meaning you'll have to cover any auto glass repairs or replacements out of your own pocket. But don't worry—you’ve come to the right place! AGS Auto Glass & Calibrations offers highly competitive prices for windshield replacements and auto glass services, along with complimentary lifetime rock chip repairs, a nationwide warranty, and free mobile service throughout the valley.

This means you can choose to pay a modest premium for auto glass coverage that eliminates your deductible. Typically, this extra cost ranges from $10 to $20 per month, which can be a worthwhile investment. Fortunately, Arizona is one of the few states that provides this type of coverage option.

All glass on your car including the windshield, back glass, quarter glass, vent glass, door glass, and sunroofs.

No, they cannot mandate that you repair it, but they may encourage it. Repairing your windshield is often quicker and more cost-effective, and it helps maintain the original factory seal. If the damage is smaller than a dollar bill, insurance providers typically recommend opting for a repair rather than a replacement.

Some insurance providers do request this, and a few may mandate a random inspection prior to authorizing the repair shop to proceed. Companies like Geico, USAA, and American Family are known to implement this process. If your claim is selected for inspection, an insurance adjuster will be dispatched to assess the damage and its location. Once the inspection is completed and the damage is verified, we can move forward with the repair or replacement. However, this requirement might lead to a delay in the installation or repair of your glass.

Absolutely. Insurance providers typically cover the expenses for reapplying aftermarket tint, and you're in luck because AGS Auto Glass & Calibrations can assist you with that too.