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8 July, 2015 0

Mechanical Breakdown Coverage Vs. Extended Warranties

Protecting Your New Ride With Mechanical Breakdown Coverage

If you have ever purchased a new car, you know that urge to treat your new ride like a baby. During the purchasing process, you will be faced with a wide range of financial questions that will determine your car’s safety. One big question will require you to make the decision of whether you would like to opt for an extended warranty and mechanical breakdown coverage. Despite popular belief, these two protective measures are unique.

Unfortunately, many motorists assume that mechanical breakdown coverage and extended warranties are equal. In reality, you can typically get more bang for your buck with mechanical breakdown coverage in comparison to the coverage an extended warranty yields. This is because mechanical breakdown insurance will cover many systems and parts that are excluded from coverage in almost all dealer extended warranties.

Additionally, you are able to get your car repaired whenever you like for only a small premium each pay period. In contrast, most extended warranties require you to pay a large lump-sum up front.

Understanding Your Mechanical Breakdown Coverage

Mechanical breakdown claims work in a similar fashion as any other auto insurance claim. Your policy will provide you with ample coverage, but not any wear and tear or maintenance costs. Like any other claim, you must have your insurer investigate the claim and analyze the damage before having any repairs made as this can jeopardize the claims process. However, once your insurer has given you the green light, you can have your car repaired by the shop of your choice. They will still need to provide your insurer with a diagnosis.

Serving Chino Hills, Seal Beach, Long Beach, Los Angeles, and the rest of California, contact Fuller Insurance for all of your auto insurance needs. We will help you seek the protection you deserve so that you can protect your new ride with the proper auto insurance and mechanical breakdown coverage.

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