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Friday, October 15, 2010
The price of putting back together a damaged car by dealers and repair shops is increasing, so protecting you, your family, and your investment from unexpected costs is a must. automobile salesman or third party companies make this possible through auto warranty policies that are sold. Some of these contracts only cover major damages, like mechanical breakdowns. However, an Auto Warranty with wear and tear coverage protects the vehicle from damages caused by every day use.
Only some warranties offer wear and tear as an option as part of their car warranties. Many parts of a car wear down over time, and they are often the most likely pieces that need to be replaced. If a part wears out prematurely, wear and tear coverage will cover it. These parts include joints, wheel bearings, and engine parts. These may not be covered under a general mechanical breakdown warranty.
Extended vehicle Warranties takes care of most of the money to fix a car when it fails you. Often, they have a deductable that usually ranges in price from $100 to $300. For many new cars, or dependable models, the car breaking down is an unlikely occurrence. They cover the vehicle's mechanical and electrical components, but not the fees associated with everyday use.
Both types of Extended car Warranties are meant to protect car owners from incurring thousands of dollars worth of bills after the original warranty expires. However, one offers far more coverage than the other does. Policies that cover wear and tear issues help the owner of the car protect against the cost of components that wear down over time and that are beyond the manufacturer's tolerances.
To protect against costly repairs and every day costs of operating a car, people should consider adding wear and tear coverage to their Car Service Contract. The covered part does not need to break before it is covered. It can be replaced under this type of auto repair warranty. This keeps cars in good shape and prolongs the life of the automobile, which saves even more money over time.
Thursday, October 14, 2010
Extended Car Warranties Are Crucial In Todays Economy
All dealerships have their initial warranties that they offer to their customers at the time of their purchase. Yet these warranties don't last forever, obviously. Usually they protect the vehicle for a few thousand miles or a specific number of months. This keeps the customer happy, seeing as anything that goes wrong with their new car will not have to be paid for out of pocket. It also gives the dealership a way to establish their confidence in the quality of their vehicles.
It is when these initial warranties expire that the extended warranty can take over. The owner of the vehicle is then left with an additional contract that covers the vehicle wholly so the customer can continue be at ease. Insurance companies back these warranties so the financial issues imparted upon the buyer are minimal. For example, the monthly payments are often quite low, including when the deductible is low itself.
An extended warranty provides peace of mind in other aspects as well. Should the vehicle have an unexpected breakdown, the warranty will usually provide roadside assistance for little or no additional cost. Towing is included in this as well. They also usually can be switched to another owner if perhaps the vehicle is sold. Another benefit is the fact that rental cars are often quite cheap or free under these plans.
These contracts make filing a claim as painless as possible on the owner of the vehicle under warranty. All that is required is for a licensed repair facility to make contact with a claims administrator so that the repair of the damage can be authorized. The car owner will then only need to pay the deductible instead of fronting the money for the entire bill out-of-pocket and waiting to be compensated. The fact that it is so inexpensive and simple to complete this process makes purchasing an extended warranty desirable to a car owner.
Obtaining an extended warranty outside of a dealership is cost-efficient for a car owner. It provides a number of essential services for a low monthly fee and deductible. Furthermore, it supplies a driver with peace of mind that cannot be found elsewhere.
Before purchasing an Extended Warranty visit the leading Auto Warranty Company for a free quote. BBB Accredited and a member of the VPA. They use unique software to shop the top A Rated carriers for the best coverage. Because of the volume they do you get a wholesale price on your Used Car Warranty.
Wednesday, September 22, 2010
The Good The Bad And The Ugly About Extended Vehicle Warranties
by Ann Moore
Buyers of cars, new or used, may decline the opportunity to purchase an extended car warranty. Some may believe that they will never need the warranty or that it is simply more expensive than it is worth. While these types of speculation could be accurate in some cases, the idea of an extended warranty should not be dismissed so quickly.
When buying a car, the salesman often offers a standard and extended warranty. The extended warranty costs extra, and can typically be expensive. To make matters worse, the car dealer is usually pushing the importance of the extended warranty with a disquieting vigor, causing a customer to wonder why. It is usually because the commission for selling an extended car warranty can be built right in, but this tactic can often cause a customer to quickly decline.
However, regardless of sales tactics, deciding against getting an extended car warranty could cause the buyer to face exposure. Should unexpected damage to the vehicle occur, the driver may find him or herself without a source of funds and therefore in a bad financial state of affairs. However, it is not true that one must purchase the extended warranty from the dealership. Private companies sell extended warranties, too, which are in most cases a better deal. In short, a buyer's solution to intimidation of the salesman is simply to shop around.
Purchasing an extended warranty from a company outside the dealership can prove to work to a buyer's advantage. The deductibles are particularly low, especially in contrast to the high repair costs, and the monthly payments are manageable as well. In the long run, the purchaser will find that he or she has actually saved money rather than the original notion that this might be a scam.
Any issue with a vehicle, minor or major, can be solved easily under warranty. The car must simply be taken to a qualified facility for repair and pay the low deductible rate. From that point on, the driver needs not worry - the rest of the situation will be left up to the warranty company and the mechanics. It will be cheap and effortless, setting the car owner's mind at ease.
All in all, it is understandable why a car shopper might be convinced not to get the extended car warranty that is suggested when buying an automobile. The dealer's desire to make commission also makes them come off as pushy and talks a potential customer out of the purchase. However, if a good deal is found elsewhere, these warranties will show for themselves that they can be rather beneficial.
Go to Car Service Contract or US Direct Protect to look at different Extended Warranties that are available. A Vehicle Service Contractprotects your budget and gives you piece of mind.
Saturday, September 4, 2010
Insure You Stay On The Road with An Extended Auto Warranty
by Jonathan Jacob
Not many people that I know set aside to take care of repairs bills when their vehicle quits on them. And when you don`t prepare for these things it only makes thing worse and puts most people in a jackpot. Most of us depend on our vehicle`s to get us to and from work and to bring our kids to school, not having our vehicle can cause chaos in an otherwise routine arena.
While it is true that an auto warranty may cover a vehicle for a limited period, most cars on the road have too many miles to be covered. The good news is that extended auto warranties are available for individuals that wish to protect themselves from suddenly being unable to fix their car. The following will help consumers know what to look for when they are shopping for a vehicle service contract.
Exclusionary coverage is the top level of coverage and is many times referred to as bumper to bumper. With the advent of digital technology and onboard computers it is wise to get this coverage if you qualify for it. One very important thing to keep in mind is that most Car Warranties will not pay claims if the car owner did not do the recommended factory maintenance.
A highly rated Extended Warranty will allow you to use your policy at any ASC certified mechanic and most important will pay the repair facility over the phone with a corporate credit card. Some policies require the policy holder to pay the facility upfront and then reimburse them later. This defeats the purpose of not having to pay out of pocket expense`s
I think we all agree that its easier on our finances to make low monthly payments than to pay thousands out of pocket all at once. Even those that don`t live paycheck to paycheck find the advantages of having a Car Warranty. Replacing parts is just not an option everyone can afford so having a warranty protects you from doing so and keeps you on the road. The cost to have an Extended warranty is actually very low, and defiantly less than the cost to fix 1 major component. Over the life of the Warranty most people will use it at least one time. And when this occurrence is an amount you would never be able to cover is when the full extent of your wise decision is felt.
Learn more about auto repair warranty. Stop by Jonathan Jacob's site where you can find out all about Used Car Warranties and how it can benefit you.
Monday, August 23, 2010
Newly Released Auto Warranty Article
More Coverage Than A Powertrain
By: David
Powertrain is the process in which mechanical parts produce energy and convert it into useful energy to push or run. This could be a car, motor, bike or any other machine. A Powertrain is the transmission, drive shaft and engine. The main goal of the powertrain is to provide propulsion with as little fuel as possible. More and more Auto manufacturers are offering 10 year warranties on powertrains because of the technological improvements of today have made them more efficient and less likely to fail in the 1st ten years.
Getting a Powertrain warranty means covering some of the components in the vehicle for ten years; in some circumstances this will eliminate some aspects of the Powertrain. In the auto industry for both new car warranties and used car warranties, Powertrain warranties are a successful tool for marketing. Some companies like Chrysler rather than offering 10 years Powertrain warranty, now exclusively offers life time warranties. Seeing this many companies also improved their warranties and presented Enhanced Powertrain as an extension of the car warranty. Because of the high level of competition in the Extended Warranty industry, a buyer can take advantage and get a great policy for a great price.
The extended Powertrain usually cover the Powertrain for an additional 5 years and 100k miles. Enhanced Power Train coverage offers 60,000 - 100,000 miles and also covers components like:
· Internal lubricated parts of the engine
· Transfer Case
· Differential Assembly (Front and Rear)
· CV-Joints
· Steering
· Timing Belt
· Electrical
· Cooling System
10 years or 100,000 miles means in ten years the extended warranty will lapse if you pass 100,000 miles before the 10 years is up. A unique warranty program is set for every newly purchased car. The used car warranties may cost more then a new one, so you have to ensure what type of warranty the seller offers you at the time of purchase. Get familiar with the manufacturers terms so you no excatly when the Factory Warranty expires. Buyers want to get lowest deductible possible with a long term plan. Long term policies only cost a little more than short term and make more sense. A larger deductible will not hurt if you are protecting yourself from major cost repairs. The benefits commonly provided by companies offering enhanced warranties includes Road Hazard Benefit, Rental Benefit, Trip Interruption Benefit, Lost Key Lock out Benefit , ICE and Life Lock.
About the Author
Purchasing an Extended Warranty from US Direct Protect will help you prepare today for repair bills tomorrow. US Direct Protect is a leading provider of Car Warranties and Vehicle Service Contracts and is modeled after by most other Extended Warranty providers. Monthly installments make it available to everyone.
(ArticlesBase SC #3110079)
Article Source: http://www.articlesbase.com/ - More Coverage Than A Powertrain
Tuesday, August 17, 2010
Aftermarket Warranties And Levels Of Coverage
By: David
A lot of dealerships offer new and used car warranties. A lot of people do not get the extended warranty when they buy the vehicle and wait until the factory warranty expires or many 1000 miles after it expires. At this point it depends on the years and mileage of the vehicle to determine the best coverage available to you. There are many warranty companies who have agents that can explain the different levels of coverage still available to you.
Almost every extended auto warranty has different levels of coverage: bumper to bumper, comprehensive, and powertrain/powertrain enhanced. How long each of these items are covered will be outlined in each and every extended car warranty. Coverage is measured in time and miles. Coverage ends when you do the miles or the time expired.
The bumper to bumper coverage in any extended auto warranty is designed to cover most mechanical systems in a vehicle as well as smaller details, such as mysterious squeaks and rattles. Due to the fact that bumper to bumper coverage is so thorough, it also tends to be the most expensive. This is mostly true for long term warranties and older cars.
Comprehensive coverage is a step down from Bumper to Bumper. Besides covering the engine and transmision it may cover parts in the braking, cooling, A/C and electrical systems.
The powertrain section of an extended car warranty is designed to cover the motor, the transmission, and the drive axles. These components are subject to tremendous forces that it takes to propel vehicles, and thus are likely to experience wear and tear over time. Its no surprise that these specific parts are more expensive than any other part in the vehicle. Thankfully, most extended auto warranties offer lengthy powertrain coverage that lasts longer than bumper to bumper or comprehensive coverage. There are also Product Warranties that promise to cover the engine and transmission if you use there products in your oiltank and transmission fluid.
These Product Warranties are not noticed as Vehicle Service Contracts by the VPA. Most Legitimate Extended Warranty Companies will not sell Product Warranties to their customers. In general Product Warranties should only be purchased if your vehicle qualifies for nothing else.
About the Author
Extended Warranty provider US Direct Protect has top coverage and the best rates. Purchase an Extended Auto Warranty with peace of mind because US Direct Protect is a member of the BBB and the VPA.
(ArticlesBase SC #3060660)
Article Source: http://www.articlesbase.com/ - Aftermarket Warranties And Levels Of Coverage
Extended Warranty Company and Vehicle Service Contract Provider US Direct Protect Has Made Getting a Quote for Coverage Even More Simple
Friday, July 30, 2010
US Direct Protect: The Leader in Extended Auto Warranties and Vehicle Service Contracts
A national company with three years in the business and a consistent B+ or higher BBB rating, US Direct is a front-runner in the brokerage of auto warranties and vehicle service contracts. They're also a member of the Vehicle Protection Association (VPA). Your car is safe with US Direct Protect. Warranties are fully insured and all premiums are held in a US-regulated reserve account used only for future claims.
At US Direct Protect, the goal is to provide you with peace of mind and great savings. Their proprietary software means they'll match your needs and budget with a sound and affordable plan. Why pay hefty commissions to dealerships or other third-parties when US Direct Protect offers Bumper-to-Bumper, Full Comprehensive, and Power Train car warranties for new and used cars, trucks, and SUVs?
US Direct Protect`s Extended Warranty make it easy to get your car fixed and back on the road. When breakdowns occur or repairs are needed, simply call for a tow to any ASE-Certified facility and have the problem diagnosed. The facility then contacts a claims administrator to authorize the work.
Industry-standard pricing means all service facilities are paid fairly for their work. When repairs are completed and you're happy with the results, the bill is paid directly to the auto repair service and you're out the door.
The beauty of US Direct Protect Car Service Contract is that you can have your car serviced at any ASE-Certified service provider anywhere in the country. You're covered for emergencies at home and on the road. Take the car to your dealership, another dealership, or to facilities like AAMCO, Pep Boys, Firestone, or Tune and Lube.
Choose a $0, $50, or $100 deductible; it's up to you. It doesn't matter how many repairs your car needs when you take it in for a fix. You'll pay only one deductible per visit. What's more, the special Wear and Tear policy covers parts and components that need premature replacement, even when they're not yet broken.
Why take chances on car repairs and breakdowns when an extended waranty from US Direct Protect can eliminate unexpected expenses and service-related hassles? Especially with used cars, savvy consumers are learning that even though car repairs are a fact of life, they needn't be the outrageous budget-busters we all dread. Visit Direct Protect for a free and immediate quote at http://www.usdirectprotect.com/requestquote.php.
Saturday, July 24, 2010
Low-priced is great, but not recomended for auto warranties. You get what you pay for. With high profile vehicle guarantee failures years ago, hopefully you learned the lowest warranty price tag quote contains the highest risk of a warranty organization failing and leaving you with worthless paper. Case in point, Ultimate Warranty. When they undersell the competition excessively, something has to give, and corporations with lowball quotes have to reject your claims to overcome the lower sales. Their normal operation is to under fund the guarantee claims reserve accounts to pay out for your vehicle warranty claims. So you better time your breakdown for when they had a good prior month in sales.
Do not buy the cheapest extended warranty that you can find, they won't be around to cover your automobile when you file claims. They use tomorrow's sales proceeds to shell out for today's claims until they crash and burn. There once was hundreds of fly by night corporations, but with the advent of the VPA they have mostly been weeded out. If you can't get any details on a car warranty firm via Better Business Bureau, then don't buy from them.
Cheapie warranties exclude lots of coverage, they make up ridiculous reasons to deny your warranty claim, leaving you with few covered repairs, or leave you to pay the repair shop first and then take months to reimburse you back.
Monday, July 19, 2010
What To Look For In An Auto Warranty Company
Also, look at the complaints history. In the Automobile Warranty industry there should be no ore than 30 complaints a year by an average size corporation. There are many that have a C+ but have only been in business 5 months and have 40 complaints. So weigh all these factors when choosing your policy.
Make sure that your purchasing it from an Auto Warranty Company that is a member of the VPA. The VPA is an association of Industry leaders that strive to regulate the industry with a code of ethics. Over 70% of the advertisers on Google are not members.
If you take all these factors into account , your Extended Vehicle Warranty should be there when the dealership hands you a huge repair bill. And if you do your research you can bank on that. Auto Warranties are a great service especially if your like most people and could not afford a repair bill out of pocket.