Questions to Ask When Buying an Extended Car Warranty Today

July 8, 2024

When considering getting an extended warranty for your car, it's essential to ask the right questions to ensure you're not overpaying for coverage you don't need. Many car owners may think that having just car insurance is enough, but a warranty can help with repairs that insurance does not cover. Here’s what you should know before making a decision.

questions to ask when buying an extended car warranty
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Types of Extended Warranty Contracts

There are two main types of extended warranty contracts: Exclusionary Contracts and Stated Component Contracts, each offering different levels of coverage. Exclusionary contracts are generally more comprehensive as they cover all parts except those specifically listed. Stated Component Contracts cover only the parts named in the agreement, making it crucial to thoroughly read and understand the fine print.

Important Factors to Consider

Key factors to consider when reviewing a contract include maintenance requirements, steps to file a claim, important phone numbers, and additional perks and benefits. It’s important to do your research and compare different extended warranty providers. For example, Endurance offers an Advantage auto protection plan that provides comprehensive breakdown protection and up to $3,500 in yearly maintenance services.

The Importance of Asking the Right Questions

Asking the right questions when shopping for an extended warranty or vehicle service contract can help you narrow down your options and find the best plan for your vehicle. Here are some crucial questions to ask when buying an extended car warranty:

  • Is my car eligible for coverage?
  • What exactly does the warranty cover?
  • Are diagnostic fees covered under the warranty?
  • Where can I take my vehicle for repairs?

Coverage Benefits and Options

The Advantage plan from Endurance includes essentials like engine diagnostic exams, tire rotations, and alignment checks, as well as additional services like brake pad replacement and battery replacement. It also offers 24/7 roadside assistance, trip interruption coverage, and rental car reimbursements, providing additional support to customers.

Shopping Around and Negotiating

When considering whether to purchase an extended car warranty, think about how long you plan to keep the vehicle and shop around for the best price. Comparing quotes from multiple dealerships and not accepting the initial price can often lead to better deals. Always ask to see a sample contract to ensure transparency and accountability.

Transferability and Cancellation

Check if the warranty is transferable to a new owner, as this can increase the value of your car when you sell it. Inquire about the process for cancelling the warranty and potential fees involved. Also, ensure you understand what actions or situations could void the warranty or lead to denied claims.

The Final Decision

Ultimately, the decision to purchase an extended warranty rests with you. Make sure to read and understand the fine print before making a purchase. Asking the right questions when buying an extended car warranty can provide the peace of mind that your vehicle is protected against unexpected repairs.

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