[masraum]

Originally Posted by cabmando

I run comp on all of my cars just in case one of my kids hit a deer or have a rock break the windshield. I have collision on my higher value vehicles. I typically wait to drop collision until the value of the vehicle no longer justifies having collision coverage.

having a rock hit a windshield around here is not a free fix like it seems to be in some places. They will wave the deductable for a windshield chip, but it will still count as a claim.

Houston has some of the worst roads for rock chips on windshields. I think a big part of it is due to the soil around here being primarily clay based. So there's always all sorts of trucks driving around dropping tons of mud and rocks on the freeway.

I've had more rock hits and chips and breaks here driving on the freeways than I ever had in FL putting on 2-3x as many miles.