I’m going to take on two things in this post, auto insurance and auto parts pricing.
I had the misfortune of having a wayward stone, deliberately thrown up by a gravel truck, strike and shatter my windshield in both the US and Canada. In the US you can get what they call “Comprehensive with Glass Coverage” if you choose this coverage , you won’t have to pay a deductible for breakage of the windshield, window glass, or material used in the lights. This coverage, with a $500.00 deductible on all other Comprehensive claims costs, with a good driving record, about $65.00/year. In Canada Comprehensive Insurance, on the same car, same driving record, with a $500.00 deductible is $61.00 however Canadian Insurers do not offer a “with glass” option. So if you get a broken windshield in Canada, or elsewhere, and claim it on your insurance you will be out your deductible, in this case $500.00 from the start. So is it worthwhile to claim a windshield on your insurance?
Again I’m going to use the exact same car and two “reputable” windshield replacement companies; in Canada Speedy Glass and in the US Safelite. The “cash” price at Speedy was $552.60 plus HST $71.84 for a total of $624.44. If claimed on insurance after the $500.00 deductible they would have been on the nut for $124.44. At Safelite the charge was $288.90 plus tax of $23.13 for a total of $312.03 U.S. Using that days conversion factor the out of pocket was $405.60 CDN for a personal savings of $94.40 and no recorded claim against my policy.
Also worth noting, if our dollars were equal, the windshield costs double the price in Canada! But we got Free Healthcare!
So once again, even with the current difference in the exchange rate it’s still worthwhile going across the border for automobile services of ALL types!