ASU Student Windshield Chip Repair — $0 With Insurance in Tempe
If you are an ASU student with a chip or crack in your windshield, there is a good chance you pay nothing to fix it. Between parent auto policies, Arizona's strong glass coverage law, and out-of-state student coverage rules, most ASU students are covered for $0 windshield chip repair and do not know it. Our mobile technicians come directly to ASU campus parking lots, dorms, and off-campus apartments so you never miss class.
How Insurance Covers ASU Students
Being an ASU student does not change how auto insurance works, but students have a few different coverage paths worth understanding. Here are the most common scenarios:
On Your Parents' Policy
Most college students remain on their parents' auto insurance policy as long as they are full-time students. If the vehicle is titled in a parent's name and insured under their policy, that policy's comprehensive glass coverage applies even when the car is parked at ASU in Tempe. Filing a chip repair claim does not affect the parents' rates -- comprehensive glass claims are not counted as at-fault incidents under Arizona law.
Your Own Policy as an Arizona Resident
If you have your own comprehensive auto insurance policy in Arizona, you are covered under the state's zero-deductible glass law. Arizona Revised Statutes require insurers to offer $0-deductible comprehensive glass coverage. Most standard policies include chip repair at no cost because the $60 repair prevents an $800 replacement claim.
Out-of-State Students
Out-of-state ASU students on a parent's policy from another state are typically still covered by that policy wherever the vehicle is located. Many states have their own glass coverage rules, but most comprehensive policies cover chips and cracks regardless of where the vehicle is located in the US. Call your insurer or let us check for you -- we do this daily and can usually tell you within minutes whether you are covered.
ABOR Student Insurance
The Arizona Board of Regents (ABOR) student insurance plan is health coverage only -- it does not cover auto glass. If ABOR insurance is your only coverage, you would need your own auto policy with comprehensive. That said, a chip repair without insurance runs $50 to $100, which is far cheaper than the $500 to $800 windshield replacement you will face if the chip spreads.
Why ASU Campus Parking Creates More Chip Risk
ASU students park in some of the highest chip-risk areas in the Valley. Here is why:
Open-Air Lots With No Shade
The large surface parking lots at ASU Tempe campus -- including Lot 59, the Apache lot, and lots along University Drive -- leave vehicles exposed to direct Arizona sun for hours. Heat above 110 degrees causes existing chips to spread rapidly.
Rural Road and University Drive Debris
The corridors most used by students -- Rural Road, University Drive, Mill Avenue, and Apache Boulevard -- carry heavy construction and commercial truck traffic that constantly scatters gravel and road debris.
Light Rail Construction Zones
Ongoing improvements to the Valley Metro Rail line through Tempe scatter road debris along the corridors most frequented by ASU students commuting by car.
Parking Structure Exits
Gravel and grit accumulate at parking structure exits on campus. The rough concrete surface combined with slow-moving traffic makes chip impacts common for vehicles leaving campus structures.
Mobile Service at ASU Campus, Dorms, and Off-Campus Apartments
You do not need to drive anywhere. Our mobile technicians come to wherever your car is parked in Tempe, including:
The repair takes 20 to 30 minutes. You can sit in class, work in the library, or study in your dorm while we fix your windshield in the parking lot. Same-day service is available seven days a week.
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Check If Your Coverage Means $0 Out of Pocket
We verify your insurance in 2 minutes. Most ASU students pay nothing.
Check If You Pay $0
Most Arizona drivers pay nothing. We verify in 2 minutes.
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