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A Guide to Extended Auto Protection Plans

What is covered in an Extended Auto Protection Plan?

Know what's covered -- and what's not covered -- by the extended auto protection plan you're considering. Does the service contract cover breakdown as well as wear and tear? Under a "breakdown" warranty, coverage is extended only to parts that break. Such a policy can prove less inclusive than is desirable, since not all parts fail due to breakage.

Some need to be replaced because they've worn down over a period of time; a "wear-and-tear" extended protection plan extends coverage to worn-down parts in need of replacement. Repairs due to wear and tear are not usually covered. For example, if the window stops functioning properly, or problems arise with the vehicle's engine, the extended auto protection plan will cover the repair cost. On the other hand, brakes and tire repairs would be considered normal wear and tear, and not covered by the policy.

Each extended auto protection plan is different. Thus, buyers must read the contract carefully and ask questions.

So you better understand "all" your options we recommend you contact an specialist today and get the facts. The consultation is free.Most car dealers are middlemen who make their highest commissions on the financing and extended warranties they sell. They are going to want you to purchase your warranty from them when you buy your car, so it can be included with your financing. Finance charges can increase the overall warranty cost by hundreds, or even thousands of dollars. You should try to buy your warranty direct from the source, if you can. Why not look for the best price for the extended warranty, just like you did on your vehicle? 

 

Tips on Buying an Extended Automotive Guarantee

Tip #1

Only buy extended auto protection plans and warranties from the source. Most online car extended warranty contracts are more affordable and more comprehensive than the dealer’s offerings.

Tip #2

Never buy extended auto protection plans based solely on price. Fully insured vehicle service contracts cost more than shaky unrated risk retention groups. The Walmartization of America has dangerously jaded you into shopping for auto extended warranties by price alone, when you should be shopping by coverage, track record, and ability to pay claims.

 

frequently asked questions

Can I see a copy of the contract before I buy?

Potential customers have the right to know all of the details of a contract prior to purchasing. A sample copy of the contract should be available. Beware of companies that refuse to provide an actual copy.

What Does an Extended Warranty Cover?

Each extended warranty is different. Thus, buyers must read the contract carefully and ask questions. Extended warranties cover automotive repairs. However, repairs due to wear and tear are not usually covered. For example, if the window stops functioning properly, or problems arise with the vehicle's engine, the extended warranty will cover the repair cost. On the other hand, brakes and tire repairs would be considered normal wear and tear, and not covered by the policy.

Is wear & tear coverage included?

With a basic mechanical breakdown plan, a part must be broken, non-functional or a manufacturers defect in order to be covered. A wear and tear policy pays for the repair or replacement of any component worn beyond the manufacturer’s tolerances for that vehicle, even if it is not broken. That is quite an advantage.

Can I get an extended warranty if my car has high mileage?

Most warranty companies will give you a quote on your car based on your mileage. If you have a car that has really high mileage than you may have trouble getting a warranty but it never hurts to ask as most companies will give you a quote and you will know right away if the warranty will benefit you. A lot of people are not familiar with the fact that they can get an extended warranty so they never bother to look for one.

Can I finance aftermarket extended warranties?

Most companies selling aftermarket extended warranties offer some sort of payment plan. If you can't find it on a companies web site, try calling the company to see what arrangements can be made.

If I sell my vehicle, is my plan transferable?

Yes, your plan is transferable to the new owner. An Extended Service Plan may enhance the value of your vehicle and is a great benefit for the buyer, which may help you sell your vehicle easier and faster.

Where are the repairs on my car made?

Repairs can be made at the licensed repair facility of your choice anywhere in the United States or Canada. Your repairs can also be made at the dealership.