Aside from having to get a windshield replacement in the first place, one of the most common stressors we hear from our customers is the financial burden that comes with it. The need for a windshield replacement is not something any of us specifically plan for or expect to happen, so it’s no surprise that it’s not the first thing that comes to mind when we think about budgeting and saving money. And yet, it should be something you at least consider when thinking about an emergency fund.
We aren’t here to tell you what to do with your money and we certainly won’t pretend that saving is easy; sometimes, it’s just not practical. If you are able to think about putting money back for life’s unexpected reasons, here’s why (and some tips on how) you should think about worst-case scenarios when it comes to your car.
Being Prepared When You’re Unprepared
All of our lives we’re told to think about, plan for, and work toward our futures. If you think now about what-if scenarios that can cause you a cracked or chipped windshield, you’ll be thanking yourself in the future. You might not be prepared for the scenario that causes the damage, but at least you’ll be prepared for the actions you’ll need to take in the aftermath. And, you’ll at least have a little put away to help with the potential costs. Even just looking out for yourself and staying aware of what you might end up spending your emergency money on (like a windshield replacement) can make the blow a little softer if it does come.
Have a Security Net (With or Without Insurance)
It is always comforting to know that you have a backup plan in case something goes wrong. While full glass coverage is sometimes offered by insurance, it can be dependent on the cause of the damage. Additionally, your insurance might only cover the amount that exceeds your deductible. If your bill don’t amount to that, then you’re going to be paying out-of-pocket anyway. That’s why it’s important to have a plan whether or not you have insurance (but especially if not). And, if you do have insurance, it would fare well for you to do your research on what is and what isn’t covered in a situation such as this.
Reduce Your Own Downtime
When you set yourself up for life’s what-if moments, you’re better equipped to handle them as they come without putting your life on hold. Maybe you do end up needing a windshield replacement one day, but at least you’ll have the resources you need to get the job done. Otherwise, you might be without a car for an extended period of time or left stressing out about how you’re going to come up with the funds. Get yourself back up and running, even when life tries to get you down, by thinking ahead.
Tips on Saving (Even Just a Bit)
So, how do you save money for a windshield replacement (or other emergency situations)? A lot of times, people underestimate the power of saving even just a little bit and end up not even trying. Spare change and those nickels you find in the grocery store parking lot can add up one by one. Put an empty jar in your home to add all that loose change too and let it be the start of your savings. It may sound silly, but the easiest way to start saving is…to start! There are times when money will be tight, but you have a little extra, think about adding to your emergency funds jar.