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Need Advice - Windshield Replacement - Brand and Insurance

cool_aquariancool_aquarian Member Posts: 15
edited April 2016 in Mazda
Hello,

I need to get my 2015 Mazda3 windshield replaced due to a foot long crack caused while driving due to unknown reasons(maybe something hit it, or heat or stress or combination - but definitely not my fault).

I currently have $500 comprehensive deductible, and seems insurance in California(AAA) clearly wants me to pay my full share if I want to go through them.

I've rang up few decent Auto Shops nearby and obtained below best quotes for Windshield replacement (if I pay out of pocket):

1. PGW Windshield(OEM-like) $400 (all inclusive)
2. Dealer Glass(Mazda Sekurit/OEM) Windshield $720 (all inclusive)

Should I pay out of pocket($400) for PGW Windshield or go through insurance for Dealer/OEM windshield ($500)?
(I plan to call insurance to reduce comprehensive deductible after getting this fixed)

Also, does a windshield replacement show up in carfax/autocheck history in below cases:
a. when paid from pocket
b. when claimed from insurance

(I plan to sell the car after about 2 years, so don't want to affect resale value)

Thank you...

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    Mr_ShiftrightMr_Shiftright Member Posts: 64,481
    edited April 2016
    It's hard to give any definitive answer based on hard facts. Here's a "pros and cons" article that might help you decide:

    Windshield Replacement---OEM or Aftermarket?

    I doubt an aftermarket glass would affect resale value, and since you aren't leasing, and this isn't some kind of high-line luxury car, I'm inclined to advising you to save the $320.
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    cool_aquariancool_aquarian Member Posts: 15
    edited April 2016
    If I go insurance route(for OEM windshield), I would be paying just $100-140 more.
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    Mr_ShiftrightMr_Shiftright Member Posts: 64,481
    Well that's fine if you wish to make a claim. From your post, maybe I misunderstood that you didn't want to make a claim?

    So the question is, does it make sense to spend an extra $100-140 for an OEM. Actually, isn't it $220 difference? ($720 less $500 deductible)
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    kyfdxkyfdx Moderator Posts: 243,858
    Ditto.. no way I'd file a claim to just come out $220 ahead.

    To me, the choice is $400 for aftermarket, $720 for OEM.

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    isellhondasisellhondas Member Posts: 20,342
    I agree with the others. Just be sure to pick a quality shop with a good reputation.
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    cool_aquariancool_aquarian Member Posts: 15
    After checking alternate glass shops, this is the all inclusive best offer I have now(for OEM/Dealer windshield):

    1. $475 without insurance
    2. $450 with insurance (insurance company will pay some $100 on top of this to shop)

    What do you advise ?
    is there any benefit of going through insurance? (to be on safer side incase of any future incidents, or insurance may say I did not get it done properly)
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    kyfdxkyfdx Moderator Posts: 243,858
    Leave insurance out of it. There is no advantage to having them involved. They are unlikely to advocate on your behalf, in any case

    Edmunds Price Checker
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    Did you get a good deal? Be sure to come back and share!

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    isellhondasisellhondas Member Posts: 20,342
    I agree completely. You might want to call your Ins. Co. and ask them how much more a lower deductible would be. We have State Farm and the difference between a 50.00 and a 500.00 deductible was very little so we have the 50.00 on all of our cars.
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    cool_aquariancool_aquarian Member Posts: 15
    thanks for timely replies..
    I went with out of pocket ($475 all inclusive) for OEM/Dealer windshield, and gonna talk to insurance to reduce deductible.
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