This is the most common insurance related question that we receive. In most cases, filing an auto glass claim has no effect on your annual insurance premium. We say usually to protect ourselves because is it is impossible to monitor every insurance company, but in more than 10 years we haven’t ever heard of an insurance company increasing the premiums of a customer for filing an auto glass claim. This is because auto glass coverage in Arizona (and a few other states) is handled differently than in the rest of the country. In Arizona, insurance companies are required by law to offer their customers zero deductible, full auto glass replacement coverage. (In other states, there is usually some kind of deductible.) This is due to the fact that glass damage is such a common occurrence due to our climate and terrain. This auto glass breakage coverage is considered an endorsement separate from the comprehensive coverage and typically adds a specific cost to the total policy premium. Because this coverage is purchased for the specific purpose of reimbursing consumers for the cost of repairing or replacing their auto glass in Phoenix and surrounding areas, you should never hesitate to use the coverage and file a claim if you have damage. If you are afraid to use the auto glass coverage then you should remove it from your policy and save yourself the money your insurance company is charging you for it.