Montana Windshield Replacement Auto Insurance (2024)
In Montana, it's illegal to drive with windshield damage if it obstructs the driver's view. If you have $0 deductible Montana windshield replacement auto insurance, the cost of replacement will be covered. Full coverage car insurance may also cover windshields and costs an average of $134/mo.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Montana’s only legal requirement regarding auto insurance relates to the consumers’ right to choose which vendor completes the work
- Some Montana drivers may have a zero-deductible policy for full glass replacement coverage, but others will need to pay a reduced or full deductible
- Montana’s state law does not specify whether glass replacement companies are able to legally install used or aftermarket glass in a vehicle,
It is illegal to drive with damage in your windshield that obstructs your view, but repairs won’t be covered unless you have Montana windshield replacement auto insurance. Cheap full coverage auto insurance in Montana may also cover windshield repairs or replacement, depending on how the glass was damaged and your deductibles.
Read on to learn more about Montana windshield replacement insurance. If you want to shop for affordable Montana windshield insurance today, use our free quote comparison tool to get started.
Can you drive with a cracked windshield in Montana?
When you venture onto the open roads in Montana or even when you drive a few miles through town to get to the grocery store, the possibility of enduring windshield damage is present.
This could occur because of a rock, a bird, or even loose debris from other vehicles. Even a small amount of damage to your windshield could potentially place you and others inside your vehicle at risk for injury. Make sure you are covered with our free quote tool above!
Remember that your windshield is responsible for providing you with full visibility of the road while you are driving, and its structural strength is critical to protecting you from harm related to other flying objects.
Because it is unsafe to drive with a damaged windshield, repairing the damage or replacing the entire window are options that must be considered as soon as possible.
Some Montana drivers may even be able to file a claim against their auto policy to reduce or even eliminate their out-of-pocket repair expenses.
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What are Montana’s laws for zero-deductible full glass replacement?
A few states legally require insurance companies to offer full glass replacement coverage with a zero deductible, but this is not the law in Montana. In fact, there is no law pertaining to full glass replacement coverage for any amount of auto insurance deductibles.
Therefore, the availability of full glass replacement coverage in this northwestern state is based entirely on the preference of the insurance company that you buy insurance from.
Shopping around to find great terms and a low deductible for this type of coverage is a great idea.
However, if you currently have window damage, changing your coverage will not cover your current issue and will only apply to future damages.
Reviewing your current auto insurance policy to determine what amount of the replacement cost will be covered and what your deductible amount is can help you to decide the best course of action.
Remember that you may have to pay the full deductible amount that you established for your coverage when you file a glass replacement claim, but some insurance companies offer a partial deductible for this specific type of claim.
The Decision to File a Montana Windshield Replacement Claim or Pay Cash
A deductible amount could be $500 or even $1,000 in some cases, but most vehicle windshields may be replaced for less than this amount. To determine if you should file a claim:
- Review glass replacement quotes
- Explore your insurance coverage
- Examine your deductible
While liability auto insurance and collision auto insurance only pay for limited expenses, comprehensive auto insurance typically pays for most of your vehicle repairs regardless of the cause of the damage or loss after you pay your deductible.
Many, but not all, comprehensive insurance policies include full glass replacement.
The limit for this specific benefit and the deductible need to be analyzed in comparison to the glass replacement insurance quotes that you have gathered.
The Type of Auto Glass Used By a Montana Glass Replacement Company
While you may be focused on keeping your out-of-pocket expenses as low as possible, you also want quality work to be completed on your vehicle.
Montana state law for vehicle glass replacement does not have any specific requirements for the use of or prohibition of used or aftermarket glass for these types of services.
When you pay for the cost out of your own pocket without filing a claim, you can ask for more affordable aftermarket glass or more expensive OEM glass. On the other hand, if you file a claim, the type of glass used will be decided by the terms of your auto insurance policy.
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Can you choose your own repair company to fix your windshield?
Montana’s primary law regarding windshield glass repair services relates to the consumer’s right to choose a service provider.
Learn more: Does car insurance cover windshield damage or replacement?
Regardless of whether you file an insurance claim or pay for the replacement service on your own, you have the legal right to select the provider that you want to complete the task. This gives you the ability to compare quotes, research reputation in the local area and more.
A broken windshield can be a true inconvenience, and it can also pose a risk to your well-being on the road.
While you may be inclined to put off the repair or replacement service for another day, today is the best day to begin researching your insurance options and gathering quotes.
If your existing coverage does not pay for full replacement service, you can take this opportunity to upgrade your coverage or shop for a new policy that is more inclusive for future needs. Don’t miss out on our free quote tool below! Just enter your ZIP code and start comparing rates now!
Frequently Asked Questions
Does auto insurance in Montana cover windshield replacement?
Yes, auto insurance policies in Montana often include coverage for windshield replacement. However, the specific coverage and terms can vary depending on the insurance company and the policy you have.
What type of auto insurance coverage typically includes windshield replacement?
Windshield replacement coverage is usually part of comprehensive coverage. Comprehensive coverage helps protect against non-collision-related damages to your vehicle, including damage caused by factors like theft, vandalism, weather events, and falling objects, such as rocks or debris that can damage your windshield.
Is windshield replacement covered under Montana’s mandatory auto insurance requirements?
No, windshield replacement coverage is not specifically required by Montana’s mandatory auto insurance requirements. However, it may be included as part of your comprehensive coverage if you choose to add it to your policy.
Do I need to pay a deductible for windshield replacement?
The deductible is the portion of the repair or replacement cost that you are responsible for paying out of pocket. For windshield replacement coverage, some insurance policies have a separate deductible specifically for glass damage, while others may include a deductible that applies to all comprehensive claims. Review your policy documents or contact your insurance provider to determine the deductible amount and how it applies to windshield replacement.
Can I choose any windshield repair or replacement service provider?
Insurance policies may have preferred service providers or networks with which they work for windshield repair or replacement. These preferred providers often offer direct billing to the insurance company, making the process more convenient for policyholders. However, some policies may allow you to choose any reputable service provider, and you may need to submit the claim for reimbursement. Check your policy or contact your insurance provider for details on approved service providers.
Will filing a claim for windshield replacement affect my insurance rates?
Filing a claim for windshield replacement typically does not impact your insurance rates negatively. Many insurance companies consider windshield damage claims as “no-fault” claims that are unlikely to affect your rates. However, it’s always a good idea to check with your insurance provider to confirm their specific policy on windshield replacement claims and rate adjustments.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.