I would get Geico to state their windshield replacement policy in writing.

 

Like the tire and wheel warranties, the extended warranties, extra key coverage, etc, you have to decide for yourself whether or not it's worth it. Do you hit the curb a lot, do you drive where vehicles in front of you kick up rocks, do you lose your keys, etc? When my 2007 was quite new, a rock came up in traffic and cracked my windshield. It was a small crack and I eventually got the windshield replaced more than a year later. But I haven't had any problems with glass on my 2018 or 2025.

 

I have carried a "windshield rider" on my auto-insurance for over 30 years. The cost is something like $12/quarter with $50 deductible.

Given that Subaru with eyesight system DEMANDS replacement windshield must be Subaru-approved... this pushes the cost of replacement windshield way up.

To specifically answer your question...YES, I believe this coverage is WELL worth the cost. I seem to have to replace windshield every couple years....I get to choose WHO does the work and pay $50..... State-Farm covers the rest of it.

 

@timp
The Subaru glass offer sounds like a poor and expensive non-starter.

Insurance varies by state, but some like mine require insurers to offer free glass replacement a lot cheaper than what you were quoted.
As was suggested, read the fine print on your glass coverage through Geico.

They may also offer full glass replacement coverage as an additional add on.
I've saved a lot of money by having the glass coverage, so in my opinion, it's worth having.

 

I've carried 0 deductible on my comprehensive for years, (should) only be a few extra $ a year. In AK, you replace your windshield about every 2 years, so the extra is well worth it when the time comes. Now that I have more than "just" a windshield to replace (when the time comes), I need to contact my insurance company to see if I need a separate "windhshield" policy. In either case, like others have said, contact your insurer to see what they cover. Make sure you let them know about the "Eyesight" part of the package. May just be a few extra $$ per year, IMHO, well worth it.

 

So I was looking at the Windshield Repair coverage. They actually offered Windshield Replacement/Repair, which covers 2 full windshield replacements over a 5 year period. Now I’m just debating if it’s worth it.

 

I assume you are referring to the Subaru plan?
What if you need more than two in 5 years.... I went through 3 replacements in 4 years, although I have multiple cars insured, but it cost a small fraction for the glass coverage of what they are asking, and glass replacement insurance covers all of the glass, not just the windshield.
You also have to pay up front, and with an auto insurance rider, you pay as you go.
If you are debating, you should be comparing facts on your alternatives, with positive and negatives to make an informed decision.

 

Safelite was $1316 in 2022.

 

I would offer the dealer $1000 for it. They negotiate. Yes, check your insurance before anything else.
Cheers

 

After some back and forth, I got it down to $920 for 5 years. My last two cars had a cracked windshield in the first couple of months of driving. Since they offered the plan with two full replacements and unlimited chip repair, I’m leaning towards taking it.

 

Windshields are friggin expensive these days. I have glass coverage. Had to use it on the crosstrek and on our 22 Forester for windshield repair. There’s enough meteors flying off of car tires that I think it is worth it…especially in winter…

 

As others have said, check your auto insurer first. If their coverage meets your needs it will always cost less than that the dealer offers. Ditto for GAP insurance and everything else. The rate your insurer charges you for the specified car will include whatever glass is needed plus calibrating cameras and everything else to do it right.

The so-called finance manager (actually the F&I guy...finance and insurance) is paid by commission. If he doesn't sell you some of his overpriced and/or unneeded stuff, he doesn't get a paycheck. File under...not my problem.

 

Cracked windshield on my GT3. Travelers Insurance w/ $500 deductible. Windshield was replaced w/ OEM glass and deductible was only $50.

Check w/ your insurance co - windshield coverage is often different from standard deductible.

 

my insurance company covers "full glass". if geico is unreliable, use another company

 

Your decision, but you should know, if you don't, that virtually all insurance with glass coverage includes unlimited chip repairs for free. You might also want to read the fine print - Do you get a pro-rated rebate on the premium if you cancel the policy, because your car gets totaled, or if you decide to trade in or sell the car?

To me, it still seems very pricey considering, by comparison, I get unlimited free glass replacement on all glass for 3 vehicles for less than $100 a year... You may not find as good a deal as I have, but I doubt that you can't find a better alternative..

 

Is that deal through your auto insurance?

 

@tlmp
Yes. Progressive Insurance in Arizona.
Coverage and rates vary by state and locale.
Regardless, good luck with your new car.

 

@tlmp
Yes. Progressive Insurance in Arizona.
Coverage and rates vary by state and locale.
Regardless, good luck with your new car.

Thanks. Most of the answers I've seen about glass coverage have been about Arizona and Florida and what's offered there. I haven't been able to find an insurer in California that has a separate glass policy other than simply using your comprehensive coverage. I've also gone in circles with comments I've seen around glass claims raising rates as well as instances of insurers not paying out for a Subaru windshield because of the cost and aftermarket windshields not yet available for a 2025 Forester. So, unless I'm able to find a better alternative or some clearer answers, I'm leaning towards paying for the Subaru policy so that I don't have to keep thinking about this.

They also offer a prorated refund if I decide to cancel this later.

 

call your insurance agent for advice

 

They just referred me to the comprehensive section on their website.

 

@tlmp
I'm not trying to tell you what to do, just providing a potentially cost saving option if you wish to consider it.
If you don't that's fine. Perhaps someone else reading this thread might be helped.
It is obviously your choice and your money. The pro-rated refund you found makes the Subaru plan a bit better.

Progressive Insurance does offer glass coverage in California, but it requires you to have comprehensive coverage on your auto policy, which you will have if there is a car loan. That implies your comprehensive deductible would apply, but they may have deductible options for glass. If you are interested, you can find out for yourself with them or any other car insurance provider just a phone call away. Most have better customer service than you got from the gecko..

BTW - It may not be a bad idea to find out the cost of your auto insurance so you don't suffer from severe sticker shock when you go from a 2014 Cherokee to a 2025 Subaru. It is going to be just a bit more expensive, regardless of the company. If it were me, especially with getting a new vehicle, I'd shop around. That's me.

 

I have a $1000 comprehensive deductible through Geico, but could drop that down to $500 for an extra $3/month. I'm considering doing that

does your comprehensive cover glass?
what state are you in?