I hate Encompass Insurance & Aylor Insurance

Insurance companies are such a joke. I have a nice 18" long crack in my windshield and need a new one, so I called Newport Lexus, my favorite Lexus dealership, only to find out how much it would cost to replace through them: $1500. Ouch. So I called Encompass Insurance, only to find out that after my $500 deductible, Aylor Insurance will only cover $600. That gets me up to $1100, which would leave me out another $400 after my deductible. Sure, I can go through another glass repair company, but it sure would be nice to have it replaced Lexus directly, since the glass they would use would be MUCH higher quality. Plus it's another great excuse to visit Newport Lexus, and I'll take as many excuses as I can get to go hang out there.

It pisses me off that I pay $300/mo to Encompass Insurance, have no accidents on my record, and they can't cover any more than $600 for an insured repair. I tell ya, there's an industry that needs reform and more regulation. This right here makes me want to go into politics. Glad I'm leaving Encompass Insurance/Aylor Insurance next month. I won't be back.

Update: Got my windshield replaced through Safelite. The total cost for the materials and labor was $539.56. Again, my deductible was $500, so the insurance company paid a whopping $39.56 for my replacement, or basically sales tax. Gee, thanks Encompass Insurance/Aylor Insurance.

(And yes, I specifically wrote out "Aylor Insurance" so I would be sure to maximize the SEO benefit.)


Lexus doesn't make glass. What they install at the factory is called OEM (Original Equipment Manufacturer). The dealer does not install an OEM windshield. OEM glass is made to the same specifications as dealer glass, but not necessarily by the same supplier. Safelite makes high quality product but usually not with the same specifications as the OEM. Both OEM and after-market windshields will become equally pitted over a long period (150K+ miles). While the quality of the after-market glass is (usually) slightly off OEM specs, the OEM product is grossly overpriced. Thus I can't imagine how you can love the car dealer that wanted to charge you $1,500 for a (non-OEM) product that is very similar to the good quality Safelite product, sold at 1/3 the price. I wish that we could find customers like you, that love us for charging three times the competitive market rate. The dealer product might be worth $200 more (won't last longer but it may be a bit thicker) but you love them for charging $almost $1,000 more...doesn't sound very rational to me. I retired wealthy at 42. I'll pay for quality but I also respect value.

Add a comment