When you buy a car new, it comes with a warranty. These warranties usually last for a period of several years. Eventually, they expire, and you’re left footing the bill for any additional repairs.
Some owners choose to purchase extended warranties for their cars. Vehicle mechanical warranties are like an insurance plan—if anything under the warranty goes wrong, you’re covered for repairs or replacements. You won’t have to pay anything extra, even if the repair costs thousands of dollars.
What does a vehicle mechanical warranty cover, and is one right for you? Read on to find out.
How to purchase a vehicle mechanical warranty
There are multiple mechanical warranty providers. When you first purchase your car, the warranty will be through the manufacturer. You may choose to buy an extended plan at the time of purchase.
If you don’t want to go through the manufacturer, there are other warranty providers on the market. It’s always a good idea to compare rates and terms from several companies—including the manufacturer—to ensure you get the best deal possible. Make sure you understand what’s covered and what isn’t. This will help you determine whether the warranty is a good deal.
How claims and payments are handled
If your car breaks down, you’ll need to take it to an approved repair provider. Your warranty may or may not cover roadside assistance, which makes a big difference if the car is no longer drivable. The mechanic will diagnose the problem and contact the warranty administrator. Assuming the claim is approved, the repairs can begin. This may require an adjuster to come out and check on the car before repairs start.
When something goes wrong with your car, you’ll submit a claim to your warranty provider. They’ll either have you foot the initial bill, then mail a check when the claim is approved, or they’ll directly pay the mechanic for the repairs. Most people prefer the second option, especially if you wouldn’t be able to pay for the repairs upfront.
Look for a warranty plan that gives you the best repair provider coverage—you never know when or where your vehicle will break down. Being able to take your car to any dealer, national repair chain or even a licensed local mechanic will save a lot of hassle. If the warranty plan doesn’t allow you to choose your repair provider, you may regret it later.
Determining whether you need an extended warranty
As you can see, vehicle mechanical warranties are a good way to protect yourself from unexpected repair costs, which can add up fast. If you’re reliant upon your car for work, school and everyday obligations, it’s a smart idea to purchase a warranty for the added peace of mind.
One final benefit is that when you purchase a mechanical warranty, your costs are locked in. Even if the cost of parts and repairs goes up over time, you’ll still pay the same low rate—which saves you even more money.
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