Do comprehensive claims raise your insurance rates?

If I submit a claim to fix it through my insurance, will my rate rise? My windshield is cracked and I need to repair it. I have full glass coverage on my policy.

Answer provided by
Emily Maracle
Answered on Jul 15, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Whenever you submit a claim to your car insurance company, you might see your rate increase.
Whether you choose to submit a claim to your insurance is up to you.
You can see how much the cost of repairing your window will be. If it is something you can afford out of pocket you can choose to repair it yourself instead and avoid a potential rate increase.
If you don’t think you’ll be able to afford the out of pocket cost, you should submit a claim to your insurance. Every carrier is different, so you may only see a small increase in your rate.
If you see a significant increase, it doesn’t mean you won’t be able to find affordable car insurance.
Shopping around and comparing rates will ensure you have the best rate, even if you submit a claim. Using a smart tool like Jerry makes comparison shopping easy.”

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