Does auto insurance cover paintless dent repair?
Drivers can buy auto insurance with paintless dent repair and be covered for whatever life throws at them. If you purchase full coverage insurance you will be able to file a claim if you need a paintless dent repair, but you may negatively effect your insurance rates if you file a claim. If you live in an area that gets hail frequently, you can shop online to find cheap auto insurance quotes with paintless dent repair.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Paintless dent repair can be covered by many insurance companies if drivers have full coverage
- If the damage is minimal mobile dent repair units can come to your location
- Drivers can shop online to find cheap paintless dent repair coverage
There’s nothing worse than coming out of your house after a severe hail storm only to discover that your brand new car has been peppered all over with unsightly dents. Thankfully, there are ways covered by insurance, like paintless dent repair (not to be confused with dentless repair), that can restore your vehicle to its former glory.
You may even be able to make use of a mobile dent repair service which means that a technician would come out to you to fix your car.
If you have affordable auto insurance, paintless dent repair is a great way to get your vehicle fixed, but filing a claim could affect your car insurance rates. Now, if you don’t currently have this coverage but would like auto insurance quotes with paintless dent repair, you can start shopping for a new policy or get a quote to upgrade your current policy right away online.
Enter your ZIP code to get free quotes if you want to start comparing policies that offer 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.
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Paintless Dent Repair Insurance Coverage: The Bottom Line
You won’t have to grit your teeth in panic every time a piece of hail dings your car if you have full coverage. With full coverage, you’ll be able to rest easy knowing that, if you need it, paintless dent removal or repair will be covered by your insurance company.
Unfortunately, filing a claim could go on your record though and have a negative effect on your insurance rates; however, you can always review your policy to make sure that you are reaping the benefits of every discount you are eligible for.
If you can’t wait to find an insurance company that offers paintless dent repair coverage, enter your ZIP code to start comparing free quotes today.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.