What Do Car Extended Warranty Cover?


Whether you purchase a new car or a used car, the manufacturer's warranty usually covers repairs for at least three years. After the contract expires, all auto repairs must be paid out-of-pocket, and usually just at the time when your car begins to need repairs more frequently. 

However, are you interested in protecting your vehicle and wallet from costly repairs? Extended warranties may be the way to go. This article explains what car extended warranties are, what they cover, and how they work.

What Is An Extended Car Warranty?

An extended car warranty, also known as a vehicle service contract, provides coverage against costly repairs to your vehicle. Usually, you will pay a small monthly amount toward your agreement before paying a deductible when the warranty covers services by a mechanic.

Extended auto warranties are different from manufacturers' warranties and become one of the problems with the term. Extended warranties are more accurately described as car repair insurance than warranties.

Why Do Extended Car Warranties Exist?

Having an extended warranty protects you by guaranteeing the payment of repair costs if an electrical or mechanical component fails. The parts covered by the warranty depend on your contract. The two main types of coverage plans are exclusionary and named components coverage.

Exclusionary coverage: This type of extended warranty protects all parts of your vehicle from mechanical breakdown due to everyday driving, except for parts and components that are excluded.

  • Named component coverage: It is the exact opposite of an exclusionary plan. The contract will contain a list of covered parts and systems. Unlisted parts are not covered.

Extended Warranty Coverage For A New Car

When you are planning to buy a new car, consider how many miles you plan on driving per year and the length of time you will keep the vehicle. Find out if you need the extended warranty by comparing it to the manufacturer's and powertrain warranty.

For example, if your car comes with a five-year/60,000-mile bumper-to-bumper warranty and a 10-year/100,000-mile warranty, you probably won't need the service contract. Furthermore, even if you plan to keep your car for ten years, the warranty covers three years or 36,000 miles.

In this case, the extended warranty is beneficial. In addition, you should consider the predicted reliability of the vehicle in question. You may need to extend the warranty if it scores lower than average. On the other hand, high-scoring cars might not need costly repairs.

Extended Warranty Cover For A Used Car?

You may have difficulty deciding whether to purchase a car extended warranty for a used car. An extended warranty is the best option if you get an unreliable vehicle. Several resources can provide you with helpful information. The best place to start is by looking at user reviews and forums. Disgruntled customers are most likely to be found, but there will also be a trend.

It pertains to determining if you should purchase a certified pre-owned vehicle rather than one that is not. Getting a service contract is still possible for a car that hasn't covered too many miles if it isn't verified. You can make the best decision about an extended warranty if you know the problems a used car is likely to encounter.

Final Thought

There is no need to be a rocket scientist to decide whether to purchase an extended warranty. The experts at Fincrew can walk you through the process. In addition, the company works with multiple insurers, which means that each contract can suit the client's needs.

Fincrew's low prices and no haggle offers stand out from competitors in customer service. Fincrew strives to offer the best possible experience with clear coverage and pricing information, no pressure to buy, and complete answers to all customer's queries. 

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  1. This is good, now all used car can also have extended insurance coverage.

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