Insurance FAQs

Not necessarily, but it’s important to understand that every insurance company evaluates claims differently.

In Arizona, many drivers carry optional glass coverage that can help pay for windshield repairs or replacement, sometimes with no deductible. However, having glass coverage does not guarantee that filing a claim will have no effect on your insurance policy.

Insurance companies may consider your overall claims history when reviewing your policy. Depending on your insurer, policy, and circumstances, frequent claims could potentially affect your premiums, eligibility for certain discounts, or even your policy renewal.

At Blue Chip Auto Glass, we believe in helping customers make informed decisions about their insurance coverage.

That’s also why we focus on helping customers protect their new windshield after replacement. We offer complimentary windshield chip repair benefits to qualifying replacement customers, helping address minor damage before it spreads into a crack that could require another windshield replacement.

By repairing eligible chips early, we can help extend the life of your windshield, potentially reduce future replacement costs, and limit the need for additional insurance claims.

Have questions about your glass coverage? Our team can help you review your available options and coordinate with your insurance company so you can decide what makes the most sense for your situation.

One complimentary chip repair per qualifying visit for one year following windshield replacement, subject to repair eligibility and program terms.

Definitely not. Every insurance company has an auto glass company it can, and often will, refer you to. The biggest mistake you can make as a consumer is letting the insurance company decide which auto glass company repairs or replaces your glass.

Insurance companies are in business to make money. If they can refer you to an auto glass provider they have a financial arrangement with, one that saves them money at your expense, they will. One large auto glass company in particular is the provider of choice for many of the large discount insurance companies.

It is quick and easy to research a Phoenix windshield replacement company yourself: read the reviews. Doesn't it make more sense to choose a company with lots of positive customer feedback and five-star reviews? At Blue Chip Auto Glass we work with all insurance companies, are a preferred vendor with many, and use only the best brands available, something many of the larger insurance-partnered companies don't do.

In many cases (especially in Arizona), your auto policy will cover chip repair and your deductible won't apply. This is usually the case if you have comprehensive coverage. If you only carry liability coverage, chip repairs are usually not covered.

Call one of our auto glass representatives and they can help you find out the extent of your windshield and auto glass coverage.

In most cases, your insurance company will only authorize dealer auto glass parts if your car or truck is a brand-new (current year) vehicle or if aftermarket parts are not available. Dealer parts are often the best option for a quality glass brand, but most insurance companies are unwilling to pay the premium for them.

The good news is that we can often find your original equipment brand outside the dealership. For example, we can usually find Carlite (the OE brand for Ford) without buying it at the dealership and paying a premium. If that isn't possible, we can generally find a brand of equivalent quality. Whatever we use to replace your windshield, it will be the best brand your insurance company is willing to pay for.

Yes. We are well versed in handling auto glass insurance claims from start to finish. If you are not sure about your coverage, call us and we can contact your insurance company for you.

Once your coverage is verified, we can schedule your windshield replacement at a time and place that works for you. If you don't have coverage, we can give you a competitive cash quote.

Yes. We bill Tesla Insurance directly using your claim number, the same way we work with every other insurance company.