Not every windshield goes through insurance. Maybe you carry liability only, or your deductible is higher than the cost of the glass, or you’d rather not file a claim. Reyes Glass Group replaces windshields for cash customers every day, with the same glass, the same mobile service and a clear quote up front.
When paying out of pocket makes sense
- No comprehensive coverage. Liability-only policies don’t pay for your own glass.
- High deductible. If your deductible is $1,000 and the windshield costs less, a claim gets you nothing.
- Keeping your claims history clean. Some drivers prefer not to file small claims.
- Speed. No claim means no waiting on verification. We can schedule as soon as the glass is available.
How to keep the cost down
- Repair instead of replace if you can. A chip repair or short crack repair costs a fraction of a new windshield.
- Ask about glass options. Quality aftermarket glass often costs less than dealer OEM glass. See OEM vs. aftermarket.
- Ask about current specials or discounts when you request your quote.
- Get one complete quote. Make sure it includes moldings, calibration and mobile service, so there are no surprises.
What a fair cash quote includes
- The glass matched to your VIN
- Professional-grade urethane and primer
- New moldings or clips if your vehicle needs them
- ADAS recalibration if your car has a windshield camera
- Mobile service at your location
- Disposal of the old glass
Watch out for very low prices that leave out calibration or use slow-curing adhesive. Those shortcuts cost more later.
Paying and the deposit
For special-order glass we take a refundable deposit to secure the part, and the balance is due when the job is done. Ask us about payment options when you book.
FAQ
Is it cheaper to pay cash than use insurance?
Only if the job costs less than your deductible. We’ll quote both ways so you can compare.
Can I add insurance coverage and then claim?
No. Coverage added after the damage won’t cover it. See glass coverage and deductibles.
