Even with full coverage, each insurance company is a little different when it comes to windshield coverage so you'll have to find out from your agent. Hopefully, it is covered since the CT's windshield is very expensive. I believe it is due to the heat trace to prevent icing under the wipers.
Most insurance policies (but obviously not all) cover cracked windshields with no deductible because it is a hazard. Check with your insurance company before you do anything. You would also be amazed at what they can do to repair windshields these days.
You will have to check with your insurance. My insurance has an option for $100 deductible on windshield replacement and it only cost me extra $10 a year for 2 cars. My previous 2 cars both got cracked windshields from rocks on the freeway. There are lots of rocks carrying trucks on one of the freeway and there are always small rocks hitting everywhere.
I replaced my windshield due to a rock strike less than 1k miles. When I lived in Florida state law required the insurance cover the windshield 100% with no deductible and no impact to premium. In Texas where I live now its simply an ordinary claim. I asked the dealer for a price break and they did cut me a break.
Have to say the rock strike was not that large ...
Well I can now be an official part of this thread. Got a pretty big "star" shaped rock chip today with a 12 in crack. Just called State Farm. Since it's not repairable they say I will have to pay the $500 deductable. Second $500 deductable I've had to pay in the last 3 months!
a lot of insurance cover windshield repair, not replacement. for replacement its probably an extra module to signup for.
i've heard some people have used different windshields but lose the wiper deicer functionality. i recently took a hit and was able to repair it. i live in canada and while the deicer is a great feature, if i can save 500$ and lose it, it's something i would go for.
Honestly I would lose it too as I doubt I will ever use it. But since State Farm is going to pick up the difference I figure I might as well get OEM glass and keep that function. I've heard some good and some bad about aftermarket glass anyway, I'd rather have the real thing.
So I called my insurance agent and the result is the following:
dealer factory glass $978+tax and $170 labor
Savelite auto glass company $880 (factory glass)
need to pay 600 deductible and insurance company covers the rest.
If I go for after marke one $550....hmm maybe not a good deal really~
feel like ct's glass cracks easily since I had my accord for 8 years nothing happpen. even the glass is dented but it wont crack all the way...--
hopefully this nv happen to me again... finger crossss.
Ya getting the windshield replaced is a hassle and of course if you are out the deductable (like I was) then it's money down the drain. But the good news is that after the windshield was replaced I could not tell a difference in clarity or wind noise, so I am very happy with the result.