No. Filing a glass claim with SGI for road hazard damage — a rock chip, a cracked windshield from highway debris, or similar — does not affect your SGI safety rating, your insurance premiums, or your driving record.

This is the single biggest concern Saskatchewan drivers have about filing an auto glass claim, and it stops thousands of people from using coverage they’re already paying for. Here’s exactly why glass claims don’t affect your rates and what SGI’s rating system actually looks at.

How SGI’s Safe Driver Recognition Program Works

SGI uses the Safe Driver Recognition (SDR) program to determine your insurance premiums. The program assigns you a safety rating based on your driving history. A clean driving record earns you discounts. Incidents on your record result in penalties.

Here’s what the SDR program actually penalizes:

At-fault collisions — accidents where you were determined to be at fault

Traffic convictions — speeding tickets, distracted driving, impaired driving, running red lights, and other violations

That’s it. Those are the only two categories that affect your safety rating and your premiums.

Why Glass Claims Don’t Count

A windshield cracked by a rock on Highway 11 is a road hazard. You didn’t cause it. You couldn’t prevent it. It’s not a collision, it’s not a traffic violation, and it’s not at-fault.

SGI classifies road hazard glass damage differently from at-fault incidents. When a shop files a glass claim on your behalf, it does not appear as a negative event on your driving record. Your safety rating stays exactly where it was before the claim.

This applies to:

– Windshield replacements from rock damage

– Stone chip repairs

– Glass damage from road debris

– Glass damage from gravel

What About Vandalism or Break-In Claims?

Glass damage from vandalism or break-ins is also not an at-fault incident. You didn’t cause the damage — someone else did. While the claim process for door glass and back glass may differ (you may need to file a claim with SGI upfront and potentially a police report), the SGI safety rating impact is the same: none.

What About Filing Multiple Claims?

Filing more than one glass claim does not change the calculation. Each claim is assessed individually, and road hazard glass claims remain non-at-fault regardless of how many you file. If you get three rock chips in one year and repair all three under your package policy, your rates are unaffected.

The Real Cost of Not Filing

The fear of rate increases causes many Saskatchewan drivers to pay out of pocket for windshield replacements when their SGI package policy would have covered it for just $50–$100. Consider the math:

Out of pocket: $400–$800+ for a windshield replacement (more with ADAS calibration)

Through SGI package policy: $50–$100 deductible

Impact on rates: Zero

Drivers who avoid filing are paying hundreds of dollars more than they need to for coverage they’re already paying for through their insurance premiums.

Stone chip repairs are even more striking. Package policy holders get up to 3 free chip repairs per year — no deductible at all. Yet many drivers don’t get chips repaired because they assume “any claim is bad.” The chip then spreads into a crack, turning a free repair into a $400+ replacement.

How to Verify This Yourself

If you want to confirm that glass claims don’t affect your rates, you can:

–Review SGI’s Safe Driver Recognition program documentation — it lists only at-fault collisions and traffic convictions as factors

Call SGI directly at 1-800-667-9779 and ask

Ask your insurance broker — they can explain how your safety rating is calculated

The Bottom Line

SGI’s rating system is designed to penalize unsafe driving — not bad luck on the highway. A rock hitting your windshield is bad luck. Filing the claim is the smart financial decision, and it will not affect your premiums.

If you have a cracked windshield or stone chip, call Showtime Auto Glass at (306) 952-3580. We file the claim with SGI on your behalf, and you pay only your deductible. Your rates stay exactly where they are.

[Learn how the full SGI claim process works →]

The post Does a Glass Claim Affect My SGI Rates? appeared first on Showtime Glass.

The cost of a windshield replacement in Saskatoon depends on two things: your vehicle and how you pay. Going through your SGI insurance can reduce your cost to as little as $50. Paying out of pocket means covering the full price, which ranges from $350 to over $1,400 depending on your vehicle.

Here’s a straightforward breakdown so you know what to expect before you call.

Out-of-Pocket Costs (No Insurance)

If you’re paying cash without filing an SGI claim, here are typical price ranges for windshield replacement in Saskatoon:

Standard vehicles (sedans, basic trucks, older models): $350–$550. These vehicles typically have simple windshields without embedded electronics or ADAS sensors.

Mid-range vehicles (2018+ SUVs, crossovers, newer trucks): $550–$900. The glass itself may cost more, and ADAS calibration adds $300–$500 to the total.

Premium and luxury vehicles: $800–$1,400+. Higher-end glass, more complex ADAS systems requiring advanced calibration, and sometimes heated or heads-up display windshields.

These ranges are estimates. The exact price depends on your specific vehicle’s year, make, model, and trim level. Call us for a precise quote — it takes about 30 seconds.

Cost Through SGI Insurance

When you file through SGI, your cost is limited to your deductible regardless of the total replacement price:

SGI Package Policy (Auto Pak): $50–$100 deductible. This is all you pay. Whether the total replacement costs $400 or $1,400, you pay $50–$100 and SGI covers the rest.

Standard SGI Plate Insurance: $700 deductible. You pay the first $700. SGI covers everything above that. This saves you money when the total exceeds $700 — which is common for 2018+ vehicles with ADAS calibration.

Third-Party Insurance: Varies by provider. Typically reduces your out-of-pocket cost below $700 by bridging the gap between your third-party deductible and SGI’s $700.

The ADAS Factor

If your vehicle was built in 2018 or later, ADAS calibration after windshield replacement is likely required. This calibration alone costs $300–$800+, which often pushes the total cost above the $700 standard deductible.

This means even drivers with standard plate insurance (no package policy) can save money by filing through SGI on newer vehicles. The shop handles the claim — you just pay your $700 deductible instead of $900–$1,400+ out of pocket.

Why Prices Vary by Vehicle

Windshield replacement isn’t one-size-fits-all. Prices vary because different vehicles use different glass (thickness, curvature, tinting, coatings), some windshields have embedded rain sensors, heated elements, or heads-up display technology, ADAS calibration requirements vary by make and model, and availability of the correct glass affects pricing for less common vehicles.

This is why we quote by specific vehicle rather than giving a flat rate. Call us with your year, make, and model and we’ll give you an exact price.

The Smart Financial Decision

For most Saskatchewan drivers with a package policy, filing through SGI is the obvious choice — you pay $50–$100 instead of $350–$1,400+. Even without a package policy, drivers of newer vehicles with ADAS often save money by filing through standard plate insurance.

The claim doesn’t affect your rates, the shop handles all the paperwork, and the process typically takes 1–2 business days with same-day service available.

The only time paying cash clearly makes sense is when the replacement cost is close to or below your deductible (usually older vehicles without ADAS on standard plate insurance) or when you prefer not to involve insurance for personal reasons.

Get Your Exact Price

Call Showtime Auto Glass at (306) 952-3580. We’ll tell you the cash price for your vehicle and also check your SGI coverage to see which option saves you more. No obligation — just honest information.

[Start your SGI claim →] [Get a cash quote →]

The post Windshield Replacement Cost in Saskatoon appeared first on Showtime Glass.

Here’s a clear comparison of how SGI package policies and standard plate insurance work for auto glass, so you can understand what you have and make the smartest financial decision.

Standard SGI Plate Insurance — What Every Vehicle Has

When you register a vehicle in Saskatchewan, you automatically get standard plate insurance through SGI. This is the baseline coverage that comes with your registration — you don’t need to buy it separately.

For auto glass, standard plate insurance means a $700 deductible. You pay the first $700 of any glass replacement. SGI covers costs above that amount.

For many glass repairs — especially door glass, quarter glass, and windshield replacements on older vehicles — the total cost may be close to or under $700. In those cases, filing a claim doesn’t save you money, and paying out of pocket is the simpler option.

However, for newer vehicles (2018+) that require ADAS calibration after windshield replacement, the total cost frequently exceeds $700. In these situations, the standard deductible still saves you money compared to paying the full amount out of pocket.

SGI Package Policy (Auto Pak) — The Better Coverage

A package policy is additional insurance purchased through a broker, layered on top of your standard plate coverage. Package policies are sometimes called “Auto Pak” and come in different tiers with different deductible options.

For auto glass, a package policy typically provides a glass deductible of $50 or $100 — dramatically lower than the standard $700. Additional benefits include up to 3 free stone chip repairs per year with no deductible, the same direct-billing process (the shop files with SGI on your behalf), and the same zero impact on your safety rating and premiums.

The annual premium increase for adding road hazard glass coverage to a package policy varies, but it’s typically modest — often less than the cost of a single out-of-pocket chip repair.

Side-by-Side Comparison

Here’s what you’d pay for a typical windshield replacement on a 2022 Toyota RAV4 in Saskatoon (estimated total cost: $850 including ADAS calibration):

With standard plate insurance ($700 deductible): You pay $700. SGI pays $150. You save $150 compared to paying the full $850 out of pocket.

With package policy ($100 deductible): You pay $100. SGI pays $750. You save $750 compared to out of pocket.

Out of pocket (no claim): You pay $850. SGI pays nothing.

For a stone chip repair (typical cost: $35):

With standard plates: Not covered — you pay $35 out of pocket.

With package policy: Free. No deductible. SGI pays the full amount.

How to Find Out What You Have

If you’re not sure whether you have a package policy or standard plates only, there are a few ways to check. You can look at your insurance documents for language about “package policy,” “Auto Pak,” or “glass deductible.” You can call your insurance broker and ask. Or you can call an auto glass shop — they can verify your coverage type in minutes using your plate number and customer number.

Should You Upgrade to a Package Policy?

If you don’t currently have a package policy and you drive regularly on Saskatchewan highways — where rock chips and windshield cracks are a fact of life — the math often favours upgrading.

Consider that a single windshield replacement out of pocket costs $350–$700+ (more with ADAS). A single chip repair is $25–$50. The annual premium increase for a package policy with glass coverage is often less than the cost of one chip repair.

Talk to your insurance broker about adding road hazard glass coverage to your policy. It’s one of the most practical insurance upgrades for Saskatchewan drivers.

The Bottom Line

Both standard plate insurance and package policies cover auto glass through SGI. The difference is your deductible: $700 with standard plates versus as low as $50 with a package policy. For windshield replacements — especially on newer vehicles — the savings from a package policy are significant.

Either way, the claim process is the same: the auto glass shop files the claim with SGI on your behalf. You just pay your deductible.

Call Showtime Auto Glass at (306) 952-3580 — we’ll check your coverage type and tell you exactly what you’d pay.

[Start your SGI claim →]

The post SGI Package Policy vs Standard Plate Insurance for Auto Glass appeared first on Showtime Glass.

If your vehicle was built in 2018 or later, replacing the windshield isn’t just about the glass. Most modern vehicles have cameras and sensors mounted to the windshield that power safety features like lane departure warning, automatic emergency braking, and adaptive cruise control. After a replacement, these sensors must be professionally recalibrated.

Skipping calibration means your safety systems may not work correctly — or may not work at all. Here’s what ADAS calibration involves, which vehicles need it, and how it affects the cost of windshield replacement.

What ADAS Actually Is

ADAS stands for Advanced Driver Assistance Systems. These are the electronic safety features that assist you while driving. Common ADAS features that rely on windshield-mounted sensors include lane departure warning and lane keeping assist, automatic emergency braking, forward collision warning, adaptive cruise control, rain-sensing windshield wipers, pedestrian and cyclist detection, and traffic sign recognition.

The camera that powers most of these features is typically mounted behind the rearview mirror, facing forward through the windshield. When the windshield is replaced, the camera’s position shifts — even by a fraction of a millimetre — which throws off the system’s calibration.

Why Calibration Is Required

An uncalibrated ADAS camera can cause your lane departure warning to trigger at the wrong time or not trigger when it should, your automatic emergency braking to misjudge distances, your adaptive cruise control to follow vehicles inaccurately, and your collision warning to give false alerts or miss real hazards.

These aren’t minor inconveniences — they’re safety risks that could lead to an accident. ADAS calibration restores the camera’s alignment to factory specifications so every system works exactly as intended.

How Calibration Is Done

There are two methods, and your vehicle may require one or both:

Static calibration is performed in the shop. A target board is positioned at precise distances and angles in front of the vehicle. The calibration equipment communicates with the camera system and adjusts it to match the target, restoring factory alignment. This takes 30–60 minutes and is the most common method.

Dynamic calibration requires driving the vehicle on well-marked roads at specific speeds. The camera system recalibrates itself using real-world lane markings and road features. This is required by some manufacturers in addition to or instead of static calibration.

The required method depends on your vehicle’s make, model, and year. The auto glass shop determines the correct procedure before starting the replacement.

Which Vehicles Need Calibration?

ADAS features have become standard on most vehicles from 2018 onward. However, some vehicles from 2015–2017 — particularly higher trim levels — also have windshield-mounted ADAS sensors.

If you’re unsure whether your vehicle has ADAS, check for a small camera or sensor cluster behind your rearview mirror. If you see a rectangular housing or camera lens mounted to the glass, your vehicle almost certainly requires calibration after windshield replacement.

Your auto glass shop can also tell you instantly based on your vehicle’s year, make, and model.

What Calibration Costs

ADAS calibration typically adds $300–$800+ to the total cost of windshield replacement. The exact cost depends on the vehicle, the calibration method required, and the complexity of the system.

This additional cost is one of the key reasons filing through SGI makes financial sense for newer vehicles. With an SGI package policy, ADAS calibration is included in the claim — you pay only your $50–$100 deductible. Even with the $700 standard plate deductible, the total cost of glass plus calibration often exceeds $700, meaning SGI covers the difference.

Can You Skip Calibration?

We strongly advise against it. Beyond the obvious safety risks, some vehicle manufacturers state that driving with uncalibrated ADAS sensors voids the safety system warranty. In some jurisdictions, uncalibrated ADAS systems may also be flagged during vehicle safety inspections.

When filing through SGI, there is no financial reason to skip calibration — it’s included in the claim at no extra cost.

If you drive a 2018+ vehicle and need a windshield replacement, call Showtime Auto Glass at (306) 952-3580. ADAS calibration is included with every windshield replacement on equipped vehicles, and it’s covered under your SGI claim at no additional cost.

[Start your SGI claim →]

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The post ADAS Calibration After Windshield Replacement appeared first on Showtime Glass.

The short answer: it depends on the severity. A small chip that doesn’t obstruct your view is generally acceptable. A large crack across your line of sight, spider-web damage, or a missing section of glass is not — and can result in a ticket, a failed vehicle inspection, or a serious safety hazard.

Here’s what Saskatchewan law says, when you need to act immediately, and how to get your windshield fixed fast.

What Saskatchewan Law Says

Saskatchewan’s vehicle safety regulations require that windshields provide clear, unobstructed visibility for the driver. While the law doesn’t specify an exact crack size that makes a vehicle illegal to drive, law enforcement officers can issue a ticket if they determine your windshield is unsafe or significantly obstructs your view.

Practically, this means a small chip away from your direct line of sight is unlikely to result in a ticket. However, a crack that runs through your primary field of vision, extensive spider-web cracking, missing glass or holes in the windshield, or damage severe enough to compromise the windshield’s structural integrity can all lead to being pulled over, ticketed, and potentially having your vehicle deemed unroadworthy.

The Safety Concern Beyond Legality

Even if a crack technically doesn’t get you a ticket, driving with a damaged windshield is a genuine safety risk for several reasons.

Structural integrity: Your windshield contributes to the structural strength of your vehicle’s cabin. In a rollover, the windshield helps prevent the roof from collapsing. A cracked windshield is weaker and may fail when you need it most.

Airbag deployment: In a frontal collision, the passenger-side airbag deploys against the windshield. A compromised windshield may not support the airbag properly, allowing it to push through the glass instead of protecting the passenger.

Ejection risk: An intact windshield helps keep occupants inside the vehicle during a collision. A cracked or weakened windshield is more likely to shatter completely on impact.

Visibility: Cracks refract light, especially at night or when the sun is low. This distortion can hide hazards, confuse your perception of distance, and cause dangerous glare.

When You Need to Act Immediately

Get your windshield replaced as soon as possible — ideally same-day — if the crack extends across your primary line of sight, the windshield has multiple cracks or extensive damage, any section of glass is missing or loose, the crack extends to one or both edges of the windshield (this weakens the entire structure), or you can feel air or water coming through the damage.

In these situations, driving to the shop may still be acceptable for a short distance at low speeds. For anything more than a brief trip, call for mobile service or vehicle pickup.

When You Can Wait (But Shouldn’t Wait Long)

A small chip or short crack outside your direct line of sight is generally safe for short-term driving. But “short-term” in Saskatchewan means days, not weeks. The freeze-thaw cycle, road vibration, and temperature extremes cause damage to spread quickly.

A $0–$50 chip chip repair today prevents a $400+ windshield replacement next month. There’s no reason to wait when the fix is fast, affordable, and often free with an SGI package policy.

How to Get It Fixed Same-Day

Call Showtime Auto Glass at (306) 952-3580. We offer same-day windsheild replacement for most vehicles in Saskatoon. If your windshield is too damaged to drive safely, we offer free mobile service and free vehicle pickup — we come to your location and handle everything.

Your SGI package policy covers windsheild replacement with a deductible as low as $50. Stone chip repairs are free with up to 3 per year. The claim doesn’t affect your insurance rates. The shop files the claim — you don’t call SGI.

There’s no financial or practical reason to keep driving with a damaged windshield when the fix is this simple.

Saskatchewan Vehicle Inspection Notes

If your vehicle is due for a safety inspection (required for out-of-province registrations, salvage rebuilds, and certain other situations), a cracked windshield can cause a failure. Inspectors check for clear visibility, structural integrity of the glass, and proper seal and mounting.

Getting your windshield replaced before an inspection avoids a failed inspection and the cost of re-inspection.

Don’t risk a ticket or your safety. Call Showtime Auto Glass at (306) 952-3580 for same-day windsheild replacement in Saskatoon. [Start your claim →] or [get a fast quote →]

The post Can You Drive With a Cracked Windshield in Saskatchewan? appeared first on Showtime Glass.

If you’re like most Saskatchewan drivers, your first instinct is to worry: How much will this cost? Do I need to call SGI? Will it affect my insurance? Is it safe to keep driving?

Here’s the step-by-step answer to all of those questions.

Step 1: Stay Calm and Assess the Damage

Pull over when it’s safe and take a look at the damage. Note the size, location, and type:

Small chip (smaller than a quarter): This can usually be repaired without replacing the windshield. If you have an SGI package policy, the repair is free.

Crack under 15 cm (about 6 inches): May be repairable depending on location. If it’s not in your direct line of sight and hasn’t reached the edge of the glass, repair is possible.

Long crack, spider-web damage, or edge-to-edge cracking: This requires a full Windshield replacement Saskatoon. Don’t delay — the crack will continue to spread.

Step 2: Take a Photo

Before doing anything else, take a clear photo of the damage with your phone. This serves as documentation if you need to file a claim, helps the auto glass shop assess the damage over the phone, and is especially important for door glass and back glass claims where SGI may request photos.

Step 3: Note When It Happened

SGI requires a “date of loss” for all glass claims — the date the damage occurred. This is straightforward if it just happened. If you noticed a crack but aren’t sure exactly when it started, an approximate date works. SGI allows claims up to 2 years from the date of loss, but don’t wait — damage spreads fast in Saskatchewan’s climate.

Step 4: Do NOT Call SGI

This surprises most people, but for windshield damage, you do not need to call SGI. You don’t need to file an eClaim. You don’t need to get a claim number. The auto glass shop handles the entire claim process on your behalf.

SGI’s own documentation instructs customers not to file glass-only claims through eClaim. The shop contacts SGI, verifies your coverage, files the claim, and bills SGI directly. You just provide your registration info and pay your deductible.

The exception: For back glass damage, SGI typically requires you to file a claim and get adjuster approval first. For door glass, a claim may also need to be initiated by you depending on the circumstances. For windshields and stone chips — the most common damage — the shop handles everything.

Step 5: Call an Auto Glass Shop

Call Showtime Auto Glass at (306) 952-3580. Tell us your vehicle info and describe the damage (or text us the photo you took in Step 2). We’ll tell you whether it can be repaired or needs replacement, verify your SGI coverage and deductible, and book your appointment — often for the same day.

Have your vehicle registration card handy. It has the customer number, plate number, and policy number we need to verify your coverage.

Step 6: Get It Fixed

Show up for your appointment (or we come to you via mobile service). Pay your deductible — as low as $50 with a package policy. We replace or repair the glass, handle the SGI claim, and you drive away with a lifetime warranty.

The entire process from first call to driving away typically takes 1–2 business days, with same-day service available for most vehicles.

What NOT to Do

Don’t ignore the damage. Saskatchewan’s freeze-thaw cycles cause cracks to spread rapidly. A repairable chip can become an unrepairable crack within days.

Don’t use a DIY repair kit from a hardware store. These kits rarely provide a lasting fix and can make the damage worse or prevent a professional repair later.

Don’t assume it will be expensive. With an SGI package policy, your deductible is $50–$100. Stone chip Stone chip repair Saskatoonrepairs are free. Most drivers pay far less than they expect.

Don’t avoid filing because you’re worried about your rates. Glass claims from road hazards do not affect your SGI safety rating or premiums. They are not at-fault incidents.

Quick Reference

Small chip → Repair (free with package policy)

Crack under 15 cm → Possibly repairable (call for assessment)

Large crack → Full replacement ($50–$100 with package policy)

Call the shop, not SGI → The shop handles the claim

Rate impact → None

Timeline → Same-day service available

Call Showtime Auto Glass at (306) 952-3580 — we’ll assess the damage, check your coverage, and get you booked. [Start your claim online →]

The post What to Do When Your Windshield Gets Cracked in Saskatchewan appeared first on Showtime Glass.

If you have an SGI package policy with road hazard glass coverage, your stone chip repairs are free. Up to 3 per year, no deductible, no paperwork on your end. The auto glass shop verifies your coverage and bills SGI directly — you pay nothing.

Most Saskatchewan drivers don’t know about this benefit, even though they’re already paying for it through their insurance premiums. Here’s how to find out if you qualify and how to get it done.

Who Qualifies for Free Chip Repair?

You qualify if you have an SGI package policy (Auto Pak) that includes road hazard glass coverage. This is the most common type of enhanced insurance purchased through a broker in Saskatchewan.

Specifically, your policy needs to include a glass deductible of $50 or $100 for road hazard damage. If it does, stone chip repairs are covered separately from replacements — with no deductible applied to chips.

Not sure if you qualify?

You can check in a few ways:

– Look at your insurance documents for “road hazard glass” or “glass deductible” language

– Call your insurance broker and ask

– Call an auto glass shop — we can verify your coverage in minutes using your plate number

If you have standard SGI plate insurance only (no package policy), chip repairs are not covered — but they’re still very affordable at $25–$50 per chip.

How Many Free Repairs Do You Get?

Up to 3 stone chip repairs per year under a qualifying package policy. Each repair counts individually. You can get one chip repaired in January, another in June, and a third in October — all free.

The count resets annually with your policy renewal.

How to Get Your Free Chip Repair?

Step 1: Call an SGI-approved auto glass shop or walk in during business hours. At Showtime Auto Glass in Saskatoon, no appointment is needed for chip repairs.

Step 2: Bring your SGI policy number and plate number. The shop verifies your coverage with SGI in minutes.

Step 3: The shop repairs the chip while you wait — about 15 minutes. SGI is billed directly. You pay nothing and drive away.

That’s the entire process. No forms to fill out, no calling SGI, no waiting for approvals.

Why You Shouldn’t Wait?

Saskatchewan’s climate is one of the harshest in Canada for windshield damage. The freeze-thaw cycle — freezing overnight, warming during the day — causes glass to expand and contract repeatedly. A small chip that could be repaired in 15 minutes for free can become a spreading crack within days or weeks.

Once a chip becomes a crack longer than about 15 centimetres, repair is no longer possible and you need a full windshield replacement. With a package policy, that replacement costs your $50–$100 deductible. Without one, it’s $350–$700+ out of pocket.

Getting chips repaired immediately is the single best way to avoid a more expensive replacement down the road.

What If the Chip Has Already Spread?

If the damage has grown beyond what can be repaired — the crack is too long, it’s reached the edge of the glass, or it’s in your direct line of sight — the shop will recommend a full windshield replacement instead.

With your package policy, the replacement is still covered. You pay your $50–$100 glass deductible, and the shop files the claim and bills SGI for the rest. ADAS calibration (for 2018+ vehicles) is included at no extra cost.

Will a Chip Repair Claim Affect My Rates?

No. Stone chip repairs — like all road hazard glass claims — are not at-fault incidents. SGI’s Safe Driver Recognition program does not penalize you for chip repairs. Your safety rating, premiums, and driving record are completely unaffected.

You’re already paying for this coverage through your insurance premiums. Using it is the financially smart thing to do.

What If I Don’t Have a Package Policy?

If you have standard SGI plate insurance only, chip repairs are not covered by insurance — but they’re still one of the most affordable auto glass services:

– Single chip: $25–$50

– Multiple chips: ask about per-chip pricing

– No appointment needed: walk-ins welcome

– Completed in about 15 minutes

Even without insurance coverage, repairing a chip at $35 is far better than replacing a windshield at $400+ when the chip inevitably spreads.

Consider talking to your insurance broker about upgrading to a package policy with road hazard glass coverage — the annual premium increase is often less than the cost of a single windshield replacement.

Get Your Chip Repaired Today

Call Showtime Auto Glass at (306) 952-3580 or walk in during business hours. Bring your policy number and plate number — we verify your coverage in minutes and repair your chip for free.

The post Free Stone Chip Repair in Saskatchewan appeared first on Showtime Glass.

This guide breaks down everything Saskatchewan drivers need to know about SGI auto glass claims — from coverage types and deductibles to the step-by-step process for each type of glass damage.

The Key Fact Most Drivers Don’t Know

For windshield replacements and stone chip repairs, you do not need to call SGI or file a claim yourself. The auto glass shop contacts SGI directly, verifies your coverage, files the claim on your behalf, and bills SGI for the balance after your deductible.

SGI’s own eClaim documentation instructs customers not to file glass-only claims through their online portal. The shop does it all. Your only job is to provide your registration information and show up for the appointment.

Understanding Your SGI Coverage

Every Saskatchewan driver has some form of glass coverage. Which type you have determines how much you pay out of pocket.

SGI Package Policy (Auto Pak)

A package policy is additional coverage purchased through an insurance broker, bundled with your basic plate insurance. For auto glass, this is the best coverage available:

• Glass deductible as low as $50 or $100
• Up to 3 free stone chip repairs per year with no deductible
• No claim filing required — the shop handles everything
• SGI is billed directly for costs above your deductible

Most Saskatchewan drivers who purchased insurance through a broker have a package policy. If you’re not sure, check your insurance documents or ask the auto glass shop to look it up — they can verify your coverage in minutes using your plate number.

What the shop needs from you: Policy number, customer number (from your vehicle registration), plate number, and the date the damage occurred.

Standard SGI Plate Insurance

Every registered vehicle in Saskatchewan has standard plate insurance. This provides baseline glass coverage with a $700 deductible. Key details:

• No claim filing required for windshield replacements
• You pay the first $700 of the replacement cost
• SGI covers everything above $700
• Worth filing when total cost exceeds $700

When does this make sense? For vehicles manufactured in 2018 or later, windshield replacement often includes ADAS calibration (recalibrating lane departure, auto-braking, and other sensor systems), which adds $300–$800+ to the total cost. When the total exceeds $700, filing saves you the difference.

For older vehicles without ADAS, the total cost may be close to $700, making out-of-pocket payment similar. A good auto glass shop will tell you honestly which option saves more.

What the shop needs from you: Customer number (from your registration), plate number, and date of loss.

Third-Party Insurance

Some drivers carry additional coverage through providers like Sandbox, CAA, or Cooperators. These policies bridge the gap between your deductible and SGI’s $700 standard deductible:

• Your deductible varies by provider and policy
• The shop coordinates billing with both SGI and your third-party provider
• Some providers require you to file a claim number before the shop can proceed — check with your provider first

What the shop needs from you: Third-party policy number, claim number (if required), SGI customer number, plate number, and date of loss.

The SGI Auto Glass Claim Process by Glass Type

Different types of auto glass follow different claim processes in Saskatchewan.

Windshield Replacement

This is the simplest and most common claim. No claim filing needed from the customer — the shop handles everything directly with SGI. You provide your registration info, the shop verifies coverage, replaces the windshield, and bills SGI. You pay your deductible only.

Stone Chip Repair

Same process as windshield replacement — the shop files directly. If you have a package policy with a $50 or $100 road hazard deductible, chip repairs are free. Up to 3 per year, no deductible, no cost to you.

Door Glass and Quarter Glass

An SGI claim typically needs to be submitted upfront by the customer. In many cases, the replacement cost is less than the $700 standard deductible, making out-of-pocket payment cheaper. A claim makes sense when there’s additional damage (broken regulator, motor, or property loss from a break-in).

You can also pay out of pocket first and file a claim afterward if more damage is discovered. Keep your receipt and take photos.

Back Glass (Rear Window)

An SGI claim must be filed before the shop can begin work. Back glass typically requires an adjuster to review and approve the claim. The cause of damage determines whether it’s covered and which deductible applies.

Alternatively, you can pay out of pocket and submit the invoice to SGI for reimbursement if the claim is approved.

Will a SGI Auto Glass Claim Affect My Insurance Rates?

No. This is the most common concern Saskatchewan drivers have about filing a glass claim, and the answer is clear.

SGI’s Safe Driver Recognition program — the system that determines your insurance premiums — only penalizes drivers for at-fault collisions and traffic convictions. A windshield hit by a rock on the highway is classified as a road hazard. It is not an at-fault incident.

Filing a glass claim does not affect your safety rating, your insurance premiums, or your driving record. This applies whether you file through a package policy, standard plate insurance, or a third-party provider.

ADAS Calibration and Insurance Claims

Vehicles manufactured from approximately 2018 onward typically have Advanced Driver Assistance Systems (ADAS) — lane departure warning, automatic emergency braking, adaptive cruise control, and rain-sensing wipers. These systems use cameras and sensors mounted to the windshield.

After any windshield replacement, these sensors need professional recalibration. This calibration costs $300–$800+ and is a major factor in whether filing through SGI makes financial sense.

When you file through SGI, ADAS calibration is included in the claim at no additional cost. This is one of the primary reasons newer vehicle owners benefit from filing even with the $700 standard deductible — the total cost with calibration frequently exceeds $700.

How Long Do I Have to File?

SGI allows auto glass claims to be filed up to 2 years from the date of loss. However, waiting is rarely advisable. In Saskatchewan’s climate, temperature swings cause chips to spread into cracks and small cracks to grow, turning a minor repair into a full replacement.

What to Have Ready

Before contacting an auto glass shop, gather the following information from your vehicle registration card:

For package policy claims: Policy number, customer number, plate number, date of loss.

For standard plate claims: Customer number, plate number, date of loss.

For third-party claims: All of the above plus your third-party policy number and claim number (if your provider requires one).

Tip: Your vehicle registration card contains most of the information needed. Take a photo of it or bring it with you to your appointment.

Choosing an Auto Glass Shop

You are not required to use any specific auto glass shop for SGI work. You can choose any SGI-approved shop. When selecting a shop, consider:

• Whether they file the claim on your behalf (not all shops do this — at Showtime Auto Glass, we handle the entire process)
• Whether they offer same-day service
• Whether they perform ADAS calibration in-house
• Whether they provide a warranty on installations
• Whether they offer mobile service or vehicle pickup

Summary

For most auto glass damage in Saskatchewan, the process is simpler than you think. The shop files the claim, verifies your coverage, replaces the glass, and bills SGI. You pay your deductible and drive away. No calling SGI, no filing paperwork, no impact on your insurance rates.

If you’re in Saskatoon and need auto glass service, call Showtime Auto Glass at (306) 952-3580. We handle everything with SGI on your behalf — start your claim here.

The post How SGI Auto Glass Claims Work in Saskatoon appeared first on Showtime Glass.