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All those who own a car have at one time or another made the decision on whether to buy an extended auto warranty or not. While some have no interest on paying for this kind of coverage, as they do not plan to keep the vehicle for very long, others prefer to head off problems before they arise and ensure that they are covered when repairs are needed.
There are many factors to weigh when deciding whether or not to take on an extended auto warranty. One factor that may help in your decision is by knowing what an extended auto warranty is and what the common types are.
An extended warranty, what is it?
In essence, an extended warranty is coverage that takes over when the manufacturer’s warranty expires. When buying a new vehicle, it is normally covered by an auto warranty for a few years or until a certain mileage is reached, then the owner must bear the cost of any repairs. An extended warranty adds more miles to the coverage and helps counter repair costs, which often become more substantial as the car ages. Some dealers and manufacturers offer an extended warranty on used vehicles as well as new cars.
What are the different types of extended warranties?
There are three types of extended auto warranty that are commonly sold, though other varieties and coverage plans exist.
- Bumper to Bumper. This coverage covers components, as the name says, bumper to bumper. There are, however, exclusions with this warranty so be sure you read the contract before signing.
- Components. This auto warranty covers specific parts or sections of the vehicle that are set up by you and the dealer giving the contract. The advantage here is you can choose to pay only for problem areas.
- Powertrain. This warranty covers the transmission, drive shaft, engine block and like parts. Considered a more basic coverage plan, this auto warranty helps cover the minimum without leaving you unprotected at all.
Roadside assistance plans are available in a wide array of sizes, styles, and prices. Some cover families who own and drive several vehicle and who switch drivers often. Other, simpler plans are designed for single drivers who own just one car. Like a car warranty, the roadside assistance package is a valuable thing to have is you want to keep your car-related costs in check. Many plans are free with the purchase of a new car. Dealers actually have very little risk with such plans because new cars do not tend to break down as much as old ones. If you want to cover yourself in the event of a breakdown, however, your best line of defense is to have both a car warranty and a roadside assistance package.
Before you head out to shop for roadside plans, take a close look at your current car warranty and see if an assistance plan is already included. If not, then take time to decide exactly what type of roadside assistance package is best for your driving needs. Some car owners need a plan that covers them anywhere, while others are fine with a geographically restricted plan. It all depends on your driving habits and the number of extras you desire. A car warranty is actually your first line of defense against unwanted vehicle expenses.
When you buy a roadside plan, do not purchase extras that you will not use. The majority of roadside plans these days contain a few bonus features, so keep in mind that you are paying for the whole plan, not just the roadside assistance. Some cost around $40 per year, while others can cost hundreds more depending on your needs.
When it comes to the extras, roadside plans most typically offer hotel discounts, which some drivers find to be quite a good bargain. If you buy an appropriate roadside assistance plan from a reputable company, and have a car warranty to match, then you will be immune from the headaches of unexpected costs that so often accompany owning a car.
Looking for ways to reduce your emissions on a daily basis? Going green is becoming more and more mainstream, with new technologies and techniques making it easier to help out the environment yet still get where you need to go. If you’re someone who doesn’t have access to good public transit, however, there are still several things you can do to help reduce emissions.
Car sharing can be very effective, both for getting to work and for the occasional family outing. Carpools have been popular for years. More recently, the focus on car pools has shifted from only saving on gas to helping reduce CO2 discharge as well. As a result, one car with many people instead of multiple cars with one is before for the environment. By carpooling, traffic is reduced. If the car is in the garage every now and then, it’s less dirty and fewer repairs are required as well.
If you can, take public transport. If not, be sure you also keep your car in good condition. Take advantage of that car warranty if you need to and be sure your car is well maintained. Catching a problem early can not only save you money but also reduce the chance of something going wrong with your engine or emissions.
Driving safely is also one way to help reduce accidents as well as your environmental impact. By not revving your engine, driving fast, or driving defensively, you are more likely to drive smartly as well as use less gas making hasty decisions.
Check out these other safe-driving tips that will help you drive smarter and safer:
- Always remain calm. Should you find yourself veering off the road, calmly correct. Startling often leads to over correcting, which can quickly lead to a dangerous situation.
- Newer steering wheels are equipped with thumb hangers, so take advantage of them! Set up your hands at 9 and 3 instead of 10 and 2 for better chances of reacting quickly and safely.
- Train yourself to react to situations with a level head. Accidents will happen on the road and whether you’re involved or someone else is, you’ll need to know how to react that will make the situation safe for everyone, such as pulling over to the shoulder or switching lanes.
Have you have sat down in a mechanic’s shop and been told that the expenses to repair your car are going to be a little (or a lot) more than your originally hoped? It’s not an uncommon occurrence. Fortunately, many have a car warranty that helps with repairs. Getting the claim filled out properly, however, can be just as stressful as seeing the final bill.
You can help yourself stress less about a repair shop visit by following these brilliant guidelines that will prevent your car from possibly costing you thousands in repairs due to a denied or voided claim.
1. Should you buy a vehicle, question any issues the vehicle could have. When a vehicle possibly had a problem before you purchased it and the seller didn’t attach the car or truck with an auto warranty, chances are you will be paying for the repairs out of your own pocket.
2. Normal maintenance is something that every car owner must adhere to. This is not optional, and can help catch problems before they become expensive nightmares.
3. Always make sure your car is taken care of with respect to driving.
4. When obtaining a car warranty, make sure you read it before installing anything. You don’t want to void your warranty by adding unauthorized parts.
5. If you hear or see anything wrong you’re your vehicle, it is important that you take it to a mechanic ASAP. Don’t wait for it to fix itself because it won’t!
6. Always visit a shop you trust.
7. Get the mechanic to print out a list of problems before they do any work.
8. Do not start repairs until you have had a chance to talk with the auto warranty provider.
9. Always talk to the warranty company in person or by phone so that you can be clear about what they are saying.
10. It is best if the mechanic files the claim. It saves you precious time and hassle with paperwork.
Your first car will change your life. Only with a car are you really “mobile” and gain the independence and freedom that many crave. A car is one of the biggest investments you’ll make, so choosing wisely when buying is exceedingly important. Before considering the price, car warranty, and the financing of a car, however, you should worry about the intended use.
The Car for Leisure Purposes
If you do not need the car for business purposes, you should take into account the possibility of buying a car that isn’t that expensive. You do not want to be paying for one just to be riding around in it for fun. Insurance companies charge you more if you are joy riding. Ask about a car warranty as well, as different cars offer different warranties on them.
Determine what amount per month for car financing and ongoing maintenance costs you will have for the car. You should be concerned with the purchase price, down payment, the amount of rates and maintenance costs.
Often car buyers are paying too much and they are not critical enough. They are grateful that they get a loan and they sign the credit agreement and trust an insurance contract without seeking alternative bids. Always shop around!
Check additional extended auto warranty possibilities. Always think about on whether or not you will be keeping your vehicle past a couple of years. If you are, then this is a great investment and can help you save on repair costs in the future.
Are you on the market for a new car? What about a used one? If either of these choices are the case, you are going to want to become very familiar with vehicle history reports. You might be the type of person that hates details or just hates the countless amount of information that comes with buying a car. You have the forms to fill out at the dealership that seem to go on forever and then you have the insurance forms as well. With a vehicle history report, however, the forms given to you are not just one more thing to skim.
These reports take into account such things as vehicle class, mileage, number of owners, title brand, age, number of accidents the vehicle has been in, usage and a few other things. It will then rate the car and give you a scoring range. A full vehicle history will list all of the recorded events that a vehicle has gone through in chronological order. This goes from driving the car off the lot when it is titled brand new to the yearly renewals. It will also have every single major event as well.
Keep in mind that there are numerous types of major events that can go on a vehicle history report. Events can range from the vehicle being manufactured and then shipped to the dealer to changing over the title. Other important issues can arise like registration events like renewals and auto accidents.
One thing is sure though, if you want to be covered the right way, having auto warranty insurance is a great way to go. A vehicle history report can tell you what parts might be later affected and if the car has an extended warranty or not to begin with.
Knowing the condition of the car can help you plan ahead and decide if the investment will be worth it or not. While dealers and owners may not necessarily be forthcoming with the information, a history report will give you better insight on what you are truly buying.
Everyone knows that when your car starts to have troubles, it throws a kink in your whole day, week, or month (or even longer). Our busy schedules leave very little time for anything else, especially for timely car repairs, and today’s high-tech automobiles are no place for lowly amateurs.
With that being said, if you don’t have a great auto mechanic on speed dial- then you better find one fast. The secret to good car repairs, after all, is a quality mechanic! If you are in the market for a good mechanic, take a look at these tips on finding a good one:
- Make sure the repair shop is ASE certified.
- Always look for a repair shop before you need it.
- Ask your family and friends for their recommendations.
- Look up local consumer organizations as these will have complaints or reputation remarks about each business.
- Never choose a repair shop just because it is convenient.
- A neat and tidy location is always a plus. You may even want to take a peek in the repair bays and see how they look as well.
One of the factors that play in with getting your car repaired is having auto warranty insurance. Every new car comes with a basic warranty when you drive it off the lot. If you plan on keeping your vehicle longer than a couple of years, however, it would be smart to get an extended car warranty. Technically, this isn’t a warranty at all but a service contract. When you purchase additional car warranty coverage, you are ensuring that if an accident or major breakdown does occur you won’t be putting down hundreds, if not thousands, of dollars down on car repairs out of pocket.
Many people do not buy extended BMW warranties or luxury car warranties, as they are quite expensive at the dealerships. But these days, just as there are lenders that specialize in providing pre-approval auto loans online, you could find online lenders who offer extended auto warranties as well. Often, third-party lenders offer similar, or the same, car warranty coverage as the dealership for a much lower price.
An extended warranty for your luxury car is important, particularly if you plan on keeping your new purchase for many years to come. While luxury cars, like BMWs, are often crafted from better materials, they are not invincible. They will break down just like other cars and will be subject to costly repairs.
Without an extended warranty, you will be responsible for all repairs on your BMW once the manufacturer’s warranty runs out. Planning ahead, however, can save you money on both the extended warranty coverage as well as on future car repairs.
Getting a BMW car warranty (or two) is just as important for people as obtaining one for a vehicle that is at a lower monetary value. A car is an important investment and you are protecting that investment by purchasing one of these warranties. If something happens to your vehicle after the original warranty ends, whether it is an engine problem or something a little less expensive, owning an extended warranty will help you get the repair taken care of for very little out of pocket.
Auto warranty coverage tends to be baffling, and it is easy to understand why. Actually, there are some misunderstandings about this kind of insurance. It is important that we clear these up.
Firstly, there is a myth that one can only procure an extended warranty from the dealership in which they buy the car from. This is a mistruth. Automobile salesmen attempt to push this as an idea because they wish for you to buy the auto warranty coverage from them. The reason for this is due to the commission the salesmen make as the middlemen. One can save quite a bit of money by buying a warranty directly from the warranty source.
Next, it has been misconstrued that getting an extended warranty prior to the term end of a manufacturer’s warranty will supply your car with double coverage. There is no truth in this. Double coverage will not transpire. With the purchase of the extended warranty insurance, the term period of warranty coverage is prolonged. It is vital to make this purchase ahead of the end of term date of the manufacturer’s warranty.
Sometimes people are led to understand that the purchase of an extended warranty at a dealership improves their financing qualification. There is no truth in this. A person’s financing is based singularly on their credit background. Laws are in place to ensure this. Going straight to the source to purchase an extended car warranty does not mean that you will not be able to finance the cost. Most providers can present financing without interest.
The last myth is that a manufacturer’s warranty covers the vehicle and an extended warranty is not needed. Normally, a single major repair is more expensive than the cost of an extended warranty. Parts could be covered by the manufacturer but labor cost typically will not be.