Windshield Quote vs MPI Glass Claim - Cost of Replacing a Windshield in manitoba
In Manitoba, asking for a "windshield quote" often gets you a cash price of $500+. But if you have MPI coverage, your actual cost is likely only your deductible ($200, or even $0). Opening a claim is the only way to unlock this lower price. It does not raise your premiums.
We answer the phone every day to the same question: "How much for a windshield for a 2018 Dodge Ram?"
We can give you a quote, but here is the secret: The quote is almost always higher than what you will actually pay.
Steinbach drivers are often scared to "Open a Claim" because they think it works like collision insurance—where a claim makes your premiums go up.
With MPI Glass Claims, that is NOT how it works. Here is why you should always start with a claim, not a quote.
The Myth: "A Claim Will Cost Me More in the Long Run"
This is the biggest misconception in Manitoba.
Collision Claim: Yes, if you crash your car, you pay a deductible AND your merits drop (premiums go up).
Glass Claim: MPI treats glass differently. Opening a glass claim generally does NOT affect your Driver Safety Rating (DSR) or raise your annual insurance bill.
The Math: Quote vs. Deductible
Let's look at a real-world example for a standard truck windshield.
Scenario A: You Ask for a "Quote" (Cash)
The windshield costs $450.
The labour & glue costs $150.
You Pay: $600 + Tax.
Scenario B: You Open a Claim
The total job still costs $600 (billed to MPI).
You have a $200 Deductible.
You Pay: $200 Flat. (MPI pays the other $400).
And if you have the $200 Plus policy, you pay even less for repairs.
"But I Have a $500 Deductible!"
Even if you have a high deductible, opening a claim is risk-free.
Open the Claim: We find out the job costs $400.
Your Deductible is $500: MPI won't pay anything because the job is cheaper than your deductible.
The Result: You just pay the shop the $400. You are exactly where you started. You didn't "lose" anything by opening the claim, but you checked to see if you could save money first.
Stop Guessing. Use the Tool.
You don't need to call us to find out your price. We built a tool that checks your deductible for you.
Go to our website.
Click "Open Claim".
Enter your registration info.
We will tell you instantly if you owe $0, $200, or more.
Check My True Cost (Open Claim)
Frequently Asked Questions (Cost)
Q: If I open a claim but don't use it, does it stay on my record? A: A glass claim only "counts" if MPI pays out money. If you decide to pay out of pocket or not fix it, the claim is simply closed with no impact.
Q: Can I get a cheaper price if I pay cash? A: We always offer competitive cash pricing for customers without coverage. However, for 90% of Manitobans, the MPI Glass claim deductible is significantly cheaper than the cash price of the glass.
Q: Is stone chip repair cheaper than a quote? A: Yes! If you qualify for the $200 Plus or $100 deductible, stone chip repair is free. A "quote" would charge you ~$50 per chip. Always use your coverage first.
