Does auto insurance cover paintless dent repair?

Will a driver’s insurance company cover paintless dent repair?

Paintless dent repair is a great way to fix your vehicle and will be covered by your insurance company if you have full coverage on your vehicle. While you will have to file a comprehensive claim to get your car fixed, you will be able to turn to your insurance company for assistance. It’s important to remember that filing a claim could negatively affect your auto insurance rates, but paintless dent repair could be well worth it.

The next time you shop online for vehicle insurance quotes, be sure to adjust your coverage levels to see how much you would need to pay for paintless dent repair coverage.

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How much does paintless dent repair cost?

The out-of-pocket cost for paintless dent repair will depend upon two things: the extent of the damage your vehicle took and how high your deductible is.

For example, let’s say that you took your car to a mechanic’s shop and discovered the damage to your car was minimal and would only be $700 to fix. If your deductible was set at $500, it may not be worth filing a claim and risking an increase in your rates. You could very well save yourself some money in the long run if you were to cough up the $700 for the repair.

On the other hand, if you were told that there was about $3,000 in damage to your vehicle, filing a claim and paying only $500 to get your car fixed would make much more sense.

Be aware that you will only be able to turn to your insurance company for assistance after experiencing hail damage if you have full coverage on your car.

How much does full coverage cost?

If you want to buy auto insurance with paintless dent repair coverage, you will need to invest in full coverage. But how much does full coverage cost? The answer to that question will vary from driver to driver. How much you end up paying for full coverage will depend upon a variety of factors which include:

• Your age
• Your gender
• Your marital status
• Your job
• Your credit score
• Your driving history
• Your vehicle
• Your address

All of these items and more help an insurance company determine your rates. If you’re curious as to how much you may end up paying for full coverage, you can examine the average monthly rates in your home state here:

State	Monthly Average of Minimum Coverage	Monthly Average of Full Coverage
Alabama	$61	$173
Alaska	$40	$125
Arizona	$82	$225
Arkansas	$56	$184
California	$48	$150
Colorado	$90	$264
Connecticut	$99	$218
Delaware	$110	$209
Florida	$214	$281
Georgia	$93	$218
Hawaii	$40	$112
Idaho	$51	$148
Illinois	$73	$193
Indiana	$42	$124
Iowa	$30	$123
Kansas	$55	$182
Kentucky	$112	$285
Louisiana	$111	$294
Maine	$41	$106
Maryland	$98	$203
Massachusetts	$54	$155
Michigan	$440	$727
Minnesota	$82	$189
Mississippi	$62	$184
Missouri	$73	$215
Montana	$53	$210
Nebraska	$50	$170
Nevada	$108	$266
New Hampshire	$54	$167
New Jersey	$98	$251
New Mexico	$58	$183
New York	$110	$229
North Carolina	$45	$120
North Dakota	$44	$165
Ohio	$47	$141
Oklahoma	$62	$222
Oregon	$95	$184
Pennsylvania	$51	$168
Rhode Island	$132	$321
South Carolina	$71	$168
South Dakota	$35	$195
Tennessee	$48	$152
Texas	$74	$216
Utah	$92	$212
Vermont	$46	$147
Virginia	$51	$125
Washington	$59	$141
West Virginia	$57	$178
Wisconsin	$41	$133
Wyoming	$40	$176

How high you set your deductibles will also affect your rates as the two have an inverse relationship. The higher your deductibles, the lower your rates will be. Of course, if you lower your deductibles, your rates will rise.

How can drivers keep rates low?

Drivers who are eager to find an auto insurance company with paintless dent repair but are concerned about their budget should look into the types of discounts that different insurance companies offer. Many major insurance companies offer discounts like these:

• Good student
• Multi-car
• Multi-policy
• Pay in full
• E-billing
• Automatic payments
• New car
• Anti-theft device

Whenever you compare quotes, you should always investigate what kind of discounts you are eligible for. Of course, discounts aren’t the only tools you can use to lower your insurance rates so you can afford full coverage.

If you want to learn more ways to save money on your insurance, take a look at these great tips that can help you stay within your budget while shopping for full coverage:

Top Tips to Save on Your Auto Insurance
You want to be sure to compare cheap car insurance quotes and with local insurance agents to maximize your savings.
Top rated insurance companies like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Maintain good credit to keep your car insurance as low as possible.
Be sure to check for additional add-ons such as uninsured motorist coverage (UM), personal injury protection (PIP), medical payments coverage (MedPay), and roadside assistance.
Don't assume an older model vehicle cost less to insure. Insurance providers go by the safety rating and cost to replace it.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all auto insurance discounts. Which can be 20% or more in savings.
Do some research and take a few minutes to learn the minimum insurance and financial responsibility laws which apply in your state.
A good driving history is the best way to keep your car insurance rates as low as possible.
If you pay for auto insurance upfront in full you can save an additional 10% to 20%.
Don't let your car insurance lapse. If so, you will see a spike in rates.
Before buying a car shop for insurance quotes to see how much your premium may be.
Be sure to check your car insurance policy for mileage. If you drive less you can save hundreds more per year.
If you have an older model vehicle consider dropping optional car insurance such as comprehensive and collision insurance.
Make sure to do an annual insurance rate check. Plus auto insurance you may or may not need.

As you can see, there are lots of ways that you can get the coverage you want while still staying within your means. When shopping for insurance quotes online, feel free to refer back to this list so you can be sure that you aren’t missing out on any money-saving opportunities.