One moment, your windshield is spotless, and the next, a flying pebble leaves a nasty crack across the glass. Now you’re staring at a chip or a spreading crack, wondering: Should I pay for this out of pocket or call my insurance company?
At Eddy’s Auto Glass Service, we’ve helped thousands of drivers with everything from small chip windshield repair in Plano to full rear window glass replacement. If you’re unsure what to do next, here’s how to make the smartest choice for your wallet and your safety.
Start by Assessing the Damage
Before contacting your insurance, it’s essential to understand what kind of damage you’re dealing with:
- Small chip (smaller than a quarter)? You likely only need a small chip windshield repair in Plano, which can be done quickly, sometimes in under 30 minutes.
- Crack spreading across the glass or damage near the edge? You’ll probably need a full front windshield replacement service in Plano.
- Shattered rear window or broken side glass? You’re looking at rear windshield replacement services in Plano or even back glass window replacement in Plano, depending on the area affected.
Insurance Deductible vs. Out-of-Pocket
Let’s say your rear windshield replacement services in Plano are estimated at $350. If your insurance deductible is $500, filing a claim won’t help; you’ll still be paying out of pocket.
But if your vehicle has sensors or cameras on the windshield (common in newer models), the repair could cost $700+. In that case, using insurance makes more sense.
What if you’re dealing with a shattered rear window after a break-in? We help drivers every week who need back glass or rear glass broken car window replacement in Plano and aren’t sure which route to take. If your policy covers comprehensive claims, you may be eligible for full or partial coverage, even without raising your premium.
Still unsure? Give us a call. We’ll walk you through the repair costs before you call your insurance company.
Convenience: Same Day and Mobile Repairs
At Eddy’s, we offer same-day windshield replacement in Plano for many types of damage, including rear and side windows. Our team is also equipped for mobile jobs, so you can get back-glass window replacement in Plano right at your home or workplace without missing a beat.
We handle:
- Replace broken car windows in Plano
- Front and rear windshield replacement services in Plano
- Back glass and side window repairs
Whether it’s a small chip or a full glass replacement, we come to you with everything needed.
What If It’s Just a Small Chip?
We see this a lot: someone notices a chip and decides to “wait and see.” But here in Texas, between summer heat and bumpy roads, chips often turn into full cracks overnight.
If that happens, what would’ve been a $75 fix becomes a full front windshield replacement service in Plano. If you catch it early, a small chip windshield repair in Plano can save you hundreds, and your insurance may not even need to know.
Rear Window Trouble? You Have Options
If your back window is damaged, whether by hail, theft, or an accident, we offer reliable rear windshield replacement services in Plano. We also specialize in rear window glass replacement and back glass window replacement in Plano, all with the same quality standards we’re known for.
So… What’s the Right Move?
Paying out of pocket is usually better when:
- You only need a small chip windshield repair in Plano
- The damage is less than your deductible
- You want quick, same-day service without delays
Use your insurance if:
- Your front windshield replacement service in Plano costs more than your deductible
- You have a complex repair (e.g., sensor calibration, ADAS windshield)
- You’re already covered by zero-deductible glass repair
At the end of the day, it’s about what makes sense for you, not just financially, but also practically.
Still Not Sure? We’ll Help You Decide.
At Eddy’s Auto Glass Service, we’re here to guide, not upsell. Whether you need to replace a broken car window in Plano or book a rear windshield replacement service, we’ll give you an honest quote, help you understand your insurance options, and get your car back on the road safely.
Serving Plano, McKinney, Frisco, and nearby cities
Call now: (469) 456-0101
Get your same day windshield replacement in Plano today
Final ThoughtWhen your vehicle’s glass is damaged, don’t wait. Whether it’s a quick, small chip windshield repair in Plano or a complete rear window replacement, acting fast keeps you safe and helps you save.