If you have just purchased a new car, then you want to ensure your vehicle is repaired properly. And if you own a used car or older vehicle, then you’re probably hoping that it won’t suddenly break down. The unexpected is bound to happen leaving you liable for expensive auto repair bills and stuck without reliable transportation until your care is restored to working condition. An emergency fund and some special insurance coverage can ease the sting of paying for unexpected repairs.
Drivers who moonlight as ‘grease-monkeys’ and know a lot about the maintenance of their vehicles or have a mechanic friend in the industry may not need assistance getting their car back on the road. However, for the rest of us, there is auto repair insurance take the hassle out of negotiating with mechanics to get your car fixed properly and promptly.
Auto repair insurance can be purchased in addition to your required auto insurance policy for basic repairs, repairs for a specific system (such as transmissions, electrical, fuel lines, etc.), or full bumper to bumper coverage. When you are searching for auto repair insurance, be sure you fully understand what your contract does and does not cover, how much you will have to pay (deductible) and how you can collect a claim before you decide if it is worth purchasing.
Advantages of Auto Repair Insurance
Honest Repair Service – Insurance companies with excellent customer services can regulate costs, direct bill your mechanic and ensure charges for labor and parts is not predatory. Insurers will often assist you in locating a mechanic qualified to perform repairs on special vehicle types (Japanese or European) perform specialized repairs.
Longevity of Your Car – If you don’t have the adequate time or skills to do practical DIY maintenance on your car, you need to a way to make quality repairs and preventative tune-ups at a price you can afford.
Inclusive and Customized Coverage – Auto repair insurance policies are a la carte, allowing buyers to cover all or selected repair types, add on loan vehicles and gap insurance. Get enough to cover your biggest worries or got all out with bumper to bumper coverage.
Drawbacks to Auto Repair Insurance
Premiums and Deductibles – Does the average cost to maintain, repair or replace the parts for the make, model and age of your car outweigh the total cost of your policy, including fees, premiums and deductibles.
Partial Coverage – Because these policies are customized and buyers have the option of covering only select repairs you may regret paying out of pocket for something not detailed in your policy.
Waiting for Claims – Sometimes it can be awhile before your claim is processed, meanwhile you’re still stuck without a car or reimbursement.
Get the Most Out of Your Car Repair Insurance
- Find a mechanic you can trust at a cost your can sustain
- Weigh the cost of repairs to your expected deductible and premiums
- Keep up with maintenance for good condition insurance deductions
- Regular Oil Changes every 3-5,000 miles for healthy engines
- Tire Rotation and Balance helps your entire suspension system
- Replace Your Brake Pads to avoid extra costly repairs
When considering auto repair insurance, shop around for the best deals with top of the line service on coverage for your biggest repair concerns at a cost you can afford.