How To Choose An Extended Auto Warranty

An extended car warranty allows you to keep your vehicle covered even after the manufacturer's warranty has expired.

With an extended car warranty, you can avoid unexpected expenses due to a vehicle breakdown or malfunction. Policies generally provide a choice of bumper-to-bumper, full comprehensive, powertrain or powertrain enhanced coverage. Each level of coverage has more or less overage than other policies.

Bumper-to-Bumper Coverage auto warranty plans are the most comprehensive available. However, despite the name, a bumper-to-bumper plan does not necessarily cover every part of your automobile. A comprehensive extended warranty plan covers most auto parts, and these will be specifically listed on your policy. With a Powertrain Coverage you can protect your vehicle's powertrain i.e., the engine, transmission, drive shaft and drive axle. Again, as with the bumper-to-bumper and comprehensive options, the parts covered will depend on the specific policy.

So in picking an extended auto warranty policy, you have the three main levels of coverage listed above, and for each of these levels there will be a range of plans to choose from.

For example, a cheaper powertrain auto warranty might only protect the engine, transmission, and water pump. Electrical components plus the drive axel and shaft are included in the coverage with a Powertrain Enhanced policy. Generally, the more comprehensive plans will cost more, but prices can vary widely from company to company due to competition and other factors.

Choosing the right extended car warranty will depend on your budget, and also how much peace of mind you require. You might want to consider the history of your car, and its general reputation for reliability when choosing a plan. Also the mileage and wear-and-tear on the vehicle are important considerations. If you depend on your vehicle for long commutes, a more comprehensive auto warranty is probably desirable.

You also should take into account the provider of the extended car warranty as the quality and reliability of service can vary significantly. Use companies with industry standard credentials and that have memberships in professional business associations like the Better Business Bureau. Do your own homework into a warranty companies reputation and ask for references. The internet is a great place to find information on practically any provider.

Carefully read over the fine print of any policy before making a final decision. No whats covered and whats not covered and what if any exceptions there are.

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