Extended Warranties are some of the most misunderstood aspects of the automotive industry, and while many have taken quite a beating in the media recently, there are many very good and legitimate extended warranty programs out there.
What are Extended Warranties, Really?
What the policy actually is, just happens to be where many consumers become confused about the entire situation, which highlights one of the most important aspects of automotive warranties, what kind of policy it is. There are three basic types of additional automotive coverage for mechanical issues; the new car protection, the used car, sometimes known as silver or comprehensive, and the power train coverage that is typically reserved for older and higher-mileage vehicles.
New car packages are likely to cover the vehicle in what is commonly called “bumper-to-bumper” protection, the same as what is offered through dealerships when the vehicle is brand new, and these are often through the exact same underwriters as those from the dealer. The comprehensive packages are similar, covering many electronics, sensors and computers, but not quite as many as the new car protection would. Although, these two can be indiscernible, depending on the particular vehicle and coverage plan. The power train packages commonly include the engine, transmission and other larger components that are prone to failure on older vehicles.
What is Actually Covered?
Here again, this is where the customer and the provider need proper communication to impart exactly what is covered, as many customers will assume things like “bumper-to-bumper” includes the bumpers. Any credible provider will immediately provide a detailed list that itemizes exactly what is covered along with the policy documentation, as well as for much, and it is often the failure to read and understand this that leads to surprises at the service department.
Regardless of what is actually covered, even the simplest of these policies can be real life-savers when the major repair that we all know is coming finally makes its appearance. With the average automotive service shop charging around $100 for each hour of labor, not including parts, the bill for something as simple as a power window motor can cost over a thousand dollars in no time at all.
Avoiding the Scams
The extended warranties industry has been marred by a few unscrupulous providers, the majority of which have since been closed down by the various attorneys general around the country, and these are well-documented around the web and in the various media outlets.
There are many legitimate extended warranty providers that offer the exact same service contracts as the dealers use, with the added benefit of features like low or no-interest payments over one or two years, as opposed to the life of the car loan. Many of these policies also have transfer and refund options that enable customers to pay for the part of the policy used and get a refund on what was not. The key to extended auto warranties is an educated consumer, and with some simple research online, the best one for any given situation is easy to find.
Showing posts with label Best Car warranty. Show all posts
Showing posts with label Best Car warranty. Show all posts
Thursday, February 17, 2011
Saturday, November 27, 2010
Don`t Break Down With Out an Auto Warranty
Don`t Break Down With Out an Auto Warranty
Submitted by Dan Warner of Extreme Warranty
When you look at the car that you drive you realize that even with all the routine maintenance that you have done the chances are still going to be good for the vehicle to fail. That is when you realize that is fine with you because you still have your car warranty. However, what you may not realize is all the benefits that you have by having an Extended Auto Warranty on your vehicle.
One benefit that you can find by having an auto warranty is that they will often pick up the bill for most of the repairs on your vehicle. However, you may find that the repairs that they will pay for is going to be limited by the regular maintenance you perform on the vehicle. You should know that your vehicle is being cared for properly because of the requirement for you to keep up on the maintenance could impact your claim. So DO YOUR ROUTINE MAINTENANCE.
Another benefit that you may find is the auto warranty may cover more than just your power train. If it covers more than that, then you should realize that any body work, windows, or other issue with your vehicle may be covered as well. Nothing is worse than having a vehicle that runs great, but cannot be driven because of a defect in the windows.
Something else that you can enjoy with an auto warranty is peace of mind. That piece of mind is going to come from the fact that you will not have to pay for the repairs to your vehicle, but instead the company that has the warranty will end up paying the bill. However, you should know that some of these companies require a certain amount of money paid out by you before they will pick up the bill. Even then that amount is typically lower than what you would pay for the entire repair.
Being able to drive your vehicle is a wonderful thing to do, but could also be very expensive at times. Its always after you break down that realize you should of purchased a car warranty. When you have a car warranty you find that dealing with repair bills is a lot easier when you don`t have to pay them. You can continue to drive your vehicle and not have to worry about breaking your savings acount or taking a bus to work.
US Direct Protect
Don`t forget http://www.usdirectprotect.com/ is on Lifetime channels The Blancing Act on December 16th.
Submitted by Dan Warner of Extreme Warranty
When you look at the car that you drive you realize that even with all the routine maintenance that you have done the chances are still going to be good for the vehicle to fail. That is when you realize that is fine with you because you still have your car warranty. However, what you may not realize is all the benefits that you have by having an Extended Auto Warranty on your vehicle.
One benefit that you can find by having an auto warranty is that they will often pick up the bill for most of the repairs on your vehicle. However, you may find that the repairs that they will pay for is going to be limited by the regular maintenance you perform on the vehicle. You should know that your vehicle is being cared for properly because of the requirement for you to keep up on the maintenance could impact your claim. So DO YOUR ROUTINE MAINTENANCE.
Another benefit that you may find is the auto warranty may cover more than just your power train. If it covers more than that, then you should realize that any body work, windows, or other issue with your vehicle may be covered as well. Nothing is worse than having a vehicle that runs great, but cannot be driven because of a defect in the windows.
Something else that you can enjoy with an auto warranty is peace of mind. That piece of mind is going to come from the fact that you will not have to pay for the repairs to your vehicle, but instead the company that has the warranty will end up paying the bill. However, you should know that some of these companies require a certain amount of money paid out by you before they will pick up the bill. Even then that amount is typically lower than what you would pay for the entire repair.
Being able to drive your vehicle is a wonderful thing to do, but could also be very expensive at times. Its always after you break down that realize you should of purchased a car warranty. When you have a car warranty you find that dealing with repair bills is a lot easier when you don`t have to pay them. You can continue to drive your vehicle and not have to worry about breaking your savings acount or taking a bus to work.
US Direct Protect
Don`t forget http://www.usdirectprotect.com/ is on Lifetime channels The Blancing Act on December 16th.
Wednesday, November 17, 2010
Pssst! How to Obtain a Hassle-Free Extended Auto Warranty
Pssst! How to Obtain a Hassle-Free Extended Auto Warranty
By US Direct Protect
To ensure that the extended auto warranty that you're buying is without any issues or contractual obligations which are not suitable to you, you need to be certain of a few things. An extended warranty with no issues is what proves beneficial in actuality when its need emerges. Suppose, you have a repair that needs to be carried out but you don't have funds to cover its expenses. Yet you're relieved because you're relying on your extended car warranty to pay for the expenses. However at the time of claim you're denied on the pretext of one or the clause in your extended auto warranty policy! Then?
Going to the court won't be the best option because the blame may very well be put on you for not thoroughly reading the contract presented by the extended car warranty provider. To avoid getting red-faced in front of your extended auto warranty company or at the service station, keep the guidelines listed below and you can have an extended auto warranty without any issues:
• The foremost is an obvious one – Read the Extended Warranty policy/ contract thoroughly and examine it for unfavorable clauses. This should be done at the time of selection of an extended warranty. Ideally, you should have full knowledge of which parts are covered in your extended car warranty policy, etc. Be sure to go through the sentences such 'what is not covered' or your 'extended auto warranty does not include', etc.
• Check car's history as well. Ensure that it has not gained Salvage Title or is a buyback title I.e under lemon law. This will quash your extended auto warranty completely.
• Maintenance and upkeep of the car is also important to obtain full coverage under the extended car warranty policy. If the extended auto warranty provider detects any sort of misuse of the car or no timely service of the vehicle then you may be paying yourself for the next repair. Keeping your car in good condition makes you eligible for the coverage. It is always better to get your car serviced regularly so that it remains intact and full operational.
• Keep all the bills of repairs, parts and oils bought, receipts and extended warranty policy claims and other documentation safe and secure. So that these can be provided as and when asked.
If all the above steps have been carried out perfectly in your case but there is still an issue posing a threat on your extended warranty claim, then check with legal authorities or the extended auto warranty company management. The better you're acquainted with the terminology, the idea of extended car warranty and how it works, the more would be able to cross question your extended warranty advisor.
It is of extreme importance that the extended auto warranty has no issues so that you can guarantee care and protection of your car.
To ensure that the extended auto warranty that you're buying is without any issues or contractual obligations which are not suitable to you, you need to be certain of a few things. An extended warranty with no issues is what proves beneficial in actuality when its need emerges. Suppose, you have a repair that needs to be carried out but you don't have funds to cover its expenses. Yet you're relieved because you're relying on your extended car warranty to pay for the expenses. However at the time of claim you're denied on the pretext of one or the clause in your extended auto warranty policy! Then?
Going to the court won't be the best option because the blame may very well be put on you for not thoroughly reading the contract presented by the extended car warranty provider. To avoid getting red-faced in front of your extended auto warranty company or at the service station, keep the guidelines listed below and you can have an extended auto warranty without any issues:
• The foremost is an obvious one – Read the Extended Warranty policy/ contract thoroughly and examine it for unfavorable clauses. This should be done at the time of selection of an extended warranty. Ideally, you should have full knowledge of which parts are covered in your extended car warranty policy, etc. Be sure to go through the sentences such 'what is not covered' or your 'extended auto warranty does not include', etc.
• Check car's history as well. Ensure that it has not gained Salvage Title or is a buyback title I.e under lemon law. This will quash your extended auto warranty completely.
• Maintenance and upkeep of the car is also important to obtain full coverage under the extended car warranty policy. If the extended auto warranty provider detects any sort of misuse of the car or no timely service of the vehicle then you may be paying yourself for the next repair. Keeping your car in good condition makes you eligible for the coverage. It is always better to get your car serviced regularly so that it remains intact and full operational.
• Keep all the bills of repairs, parts and oils bought, receipts and extended warranty policy claims and other documentation safe and secure. So that these can be provided as and when asked.
If all the above steps have been carried out perfectly in your case but there is still an issue posing a threat on your extended warranty claim, then check with legal authorities or the extended auto warranty company management. The better you're acquainted with the terminology, the idea of extended car warranty and how it works, the more would be able to cross question your extended warranty advisor.
It is of extreme importance that the extended auto warranty has no issues so that you can guarantee care and protection of your car.
Friday, September 10, 2010
How To Choose An Extended Auto Warranty
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.
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.
Tuesday, September 7, 2010
All You Need To Know About A Powertrain And Powertrain Extended Car Warranties
All You Need To Know About A Powertrain And Powertrain Extended Car Warranties
by Jonathan Jacob
In the automobile world the Powertrain consist of all the components of a vehicle's drive system. This includes the engine, the transmission, and any separate driveshafts, differential etc. Sometimes, "powertrain" is used to refer to simply the engine and transmission, including the other components only if they are integral to the transmission.
Most automobile drivers are not aware that makers car warranty starts on the completion date of manufacture not the day the vehicle was sold. So make sure you find this out before the purchase. Be clear on how long the Powertrain is covered and what specific parts are included in the coverage. As with all contracts be sure to read the whole policy. Not doing your scheduled maintenance can void your warranty.
Most Powertrain Warranties pay the mechanic over the phone directly however a few Administrators still require the policy holder to pay the facility and then get reimbursed. So make it clear with your agent that you do not want a reimbursement policy. Another thing thats is not universal with all warranties is the ability to use any mechanic you please. Make sure you can use any repair facility in case your mechanical failure occurs out of town.
Not many factory warranties cover the powertrain past 36k miles so its necessary to purchase one through an Extended Warranty and Vehicle Service Contract provider. There are numerous companies offering extended coverage which will include the powertrain on new and used vehicles. Powertrains are the most important components of any vehicle and also the most expensive to repair. It covers the transmission, engine ,drive axel and drive shaft. Along with the items listed you also need to be cognizant of any additional parts and components that are included or not, within the warranty.
Car warranties and Vehicle Service Contracts are US Direct Protect and Car Service Contracts specialty. They meet or beat any Extended Car Warranty offer. They have an A on the BBB so you can purchase with peace of mind. US Direct Protect uses licensed software to shop for the best rates. Visit today for a free quote.
by Jonathan Jacob
In the automobile world the Powertrain consist of all the components of a vehicle's drive system. This includes the engine, the transmission, and any separate driveshafts, differential etc. Sometimes, "powertrain" is used to refer to simply the engine and transmission, including the other components only if they are integral to the transmission.
Most automobile drivers are not aware that makers car warranty starts on the completion date of manufacture not the day the vehicle was sold. So make sure you find this out before the purchase. Be clear on how long the Powertrain is covered and what specific parts are included in the coverage. As with all contracts be sure to read the whole policy. Not doing your scheduled maintenance can void your warranty.
Most Powertrain Warranties pay the mechanic over the phone directly however a few Administrators still require the policy holder to pay the facility and then get reimbursed. So make it clear with your agent that you do not want a reimbursement policy. Another thing thats is not universal with all warranties is the ability to use any mechanic you please. Make sure you can use any repair facility in case your mechanical failure occurs out of town.
Not many factory warranties cover the powertrain past 36k miles so its necessary to purchase one through an Extended Warranty and Vehicle Service Contract provider. There are numerous companies offering extended coverage which will include the powertrain on new and used vehicles. Powertrains are the most important components of any vehicle and also the most expensive to repair. It covers the transmission, engine ,drive axel and drive shaft. Along with the items listed you also need to be cognizant of any additional parts and components that are included or not, within the warranty.
Car warranties and Vehicle Service Contracts are US Direct Protect and Car Service Contracts specialty. They meet or beat any Extended Car Warranty offer. They have an A on the BBB so you can purchase with peace of mind. US Direct Protect uses licensed software to shop for the best rates. Visit today for a free quote.
Tuesday, August 10, 2010
The Auto Warranty: Why You Need It
Submitted by Keri Smith
The Auto Warranty: Why You Need It
If you are driving down the road and another car hits you, rendering your car useless, your car insurance (hopefully) will cover the damages so that you can get back on the road. But if you are driving down the road and your transmission falls out, your insurance company might pay for the towing to a repair shop, but it is up to you to scrape together the money to have it fixed. In the meantime, you are off the road. This is where an extended auto warranty would come in handy.
What is an auto warranty?
An auto warranty could be considered “insurance” for the wear and tear on your vehicle. There are different types of coverage you can pay for, but the idea remains the same: sometimes, it does not take an accident to need auto repair.
How does an auto warranty protect you?
In the above situation, the used car warranty would pay for the repairs to your transmission. This would then allow you to have it fixed immediately, getting you back on the road as soon as possible without dropping a bomb on your financial world.
Do you need an auto warranty?
How often do you need your car? Every day? Do you have a family that needs reliable transportation? Besides the car, what about your bank account? A serious repair job on a car can empty your bank account and rack up large credit card charges very quickly. When you are supporting your family, you need the security of knowing that your repairs can be paid for.
By opting for the low monthly payment of an auto warranty, you provide yourself and your family with the financial peace of mind knowing that major problems with your car can be repaired quickly and easily.
The Auto Warranty: Why You Need It
If you are driving down the road and another car hits you, rendering your car useless, your car insurance (hopefully) will cover the damages so that you can get back on the road. But if you are driving down the road and your transmission falls out, your insurance company might pay for the towing to a repair shop, but it is up to you to scrape together the money to have it fixed. In the meantime, you are off the road. This is where an extended auto warranty would come in handy.
What is an auto warranty?
An auto warranty could be considered “insurance” for the wear and tear on your vehicle. There are different types of coverage you can pay for, but the idea remains the same: sometimes, it does not take an accident to need auto repair.
How does an auto warranty protect you?
In the above situation, the used car warranty would pay for the repairs to your transmission. This would then allow you to have it fixed immediately, getting you back on the road as soon as possible without dropping a bomb on your financial world.
Do you need an auto warranty?
How often do you need your car? Every day? Do you have a family that needs reliable transportation? Besides the car, what about your bank account? A serious repair job on a car can empty your bank account and rack up large credit card charges very quickly. When you are supporting your family, you need the security of knowing that your repairs can be paid for.
By opting for the low monthly payment of an auto warranty, you provide yourself and your family with the financial peace of mind knowing that major problems with your car can be repaired quickly and easily.
Sunday, July 25, 2010
US Direct Protect- The Company Providing Auto Warranties
This article was submitted by Jan Windle for the US Direct Protect article contest.
Has your auto warranty expired? Are you looking for a new company to help protect your car? Do you want the best extended warranty there is? If the answer to all of these questions is ‘‘yes”, then you shouldn’t waste your time in searching. US Direct Protect is just what you need.US Direct Protect is aware you want the best and only the best. So when we say that we can serve your demands right you get our word of honor that everything will be just as promised. That is the main reason why we are one of the industry’s leaders in customers’ treatment and sales nationwide.There are two great things about US Direct Protect in general: the amazingly affordable prices and the fact that the company works with 6 grand vehicle warranties providers. In US Direct Protect we use a licensed software, which connects us in real time to 6 Auto Warranties Administrators. This allows us to search for the best rates for our customers. US Direct Protect has always maintained a B+ or higher on the BBB and is proud of providing the best policy at the best price. We offers you a great range of reliable, new and used, Automobile coverages. The company also has overviews of its extended coverages. In US Direct Protect you will receive excellent treatment by our specialists so that you can be assisted in the choosing of the best coverage that suits you.Yes, today with all of the variety of companies offering vehicle warranties, it is hard to choose the best one. We know you have many questions to ask us so that you can feel confident about making the best choice. Please, feel free to contact one of our deputies and ask about everything that you are interested involvingthe car warranties we offer or about anything else that comes to your mind.The auto warranties, which US Direct Protect provides, in the cases when your automobile has encountered a crash or any other kind of failure/break-down, are these: Bumper to Bumper, Full Comprehensive and Powertrain . Why give your money away to other companies that provide car warranties when you can get a vehicle warranty from US Direct Protect at a really decent price. You deserve some peace of mind. Give us your trust. You won’t regret it.
Has your auto warranty expired? Are you looking for a new company to help protect your car? Do you want the best extended warranty there is? If the answer to all of these questions is ‘‘yes”, then you shouldn’t waste your time in searching. US Direct Protect is just what you need.US Direct Protect is aware you want the best and only the best. So when we say that we can serve your demands right you get our word of honor that everything will be just as promised. That is the main reason why we are one of the industry’s leaders in customers’ treatment and sales nationwide.There are two great things about US Direct Protect in general: the amazingly affordable prices and the fact that the company works with 6 grand vehicle warranties providers. In US Direct Protect we use a licensed software, which connects us in real time to 6 Auto Warranties Administrators. This allows us to search for the best rates for our customers. US Direct Protect has always maintained a B+ or higher on the BBB and is proud of providing the best policy at the best price. We offers you a great range of reliable, new and used, Automobile coverages. The company also has overviews of its extended coverages. In US Direct Protect you will receive excellent treatment by our specialists so that you can be assisted in the choosing of the best coverage that suits you.Yes, today with all of the variety of companies offering vehicle warranties, it is hard to choose the best one. We know you have many questions to ask us so that you can feel confident about making the best choice. Please, feel free to contact one of our deputies and ask about everything that you are interested involvingthe car warranties we offer or about anything else that comes to your mind.The auto warranties, which US Direct Protect provides, in the cases when your automobile has encountered a crash or any other kind of failure/break-down, are these: Bumper to Bumper, Full Comprehensive and Powertrain . Why give your money away to other companies that provide car warranties when you can get a vehicle warranty from US Direct Protect at a really decent price. You deserve some peace of mind. Give us your trust. You won’t regret it.
Wednesday, July 21, 2010
It's Easy to Get an Auto Warranty Quote
If you have an automobile outside factory warranty or are planning to purchase a used vehicle, investing in an Extended Auto Warranty would be wise. Having one will give you peace of mind and ensure that your investment is protected when it breaks down. Research different policies to see which one fits your driving habits and budget. All you have to do to get started is turn on your computer. Researching a policy is very simple to do over the Internet and made easier when the Auto Warranty Company makes the policy availible online for you to view. Currently US Direct Protect is the only company practicing this transparency.
The easiest way to research an extended vehicle warrantyi s online. There are not many websites that will allow you to compare the rates and terms of several companies at one time as US Direct does. US Direct Protect is Partners with Forte Data Systems who has made a software that uploads rates from various A rated Insurance carriers and suggests the best car warranty based on driving habits and income.
Don’t limit yourself to just one Administrator. There are many warranty Administrators that offer auto warranties. US Direct Protect locate`s the Extended Car Warranty that makes the most sense for the customer. Taking the time to research and find the best plan for you will pay off in the long run. US Direct Protect reviews terms and rates of each plan with the customer so they are fully aware what there getting and what there not
The terms will detail exactly what is covered under the auto warranty. Most plans also detail the amount of coverage that is offered. Make sure you are clear on any exclusion that is not covered under your auto warranty. US Direct Protect reads the terms carefully with there customers to ensure that they are selecting the coverage that you feel comfortable with.
Once they have helped select the auto warranty that is right for you, you can rest assured that your investment is covered. You won’t have to worry what you would do if your vehicle needed a major repair. 30 days after you pay the down payment the car will be protected. Now you can relax and know that in case a major repair is needed you will not have to come out of pocket.
I would like to thank our sponsors at US Direct Health Insurance and Ari`s Mixtapes.
Monday, July 19, 2010
What To Look For In An Auto Warranty Company
The best auto repair warranty is usually sold from a company that is accredited by the BBB and also has better than a C+ rating and has been in business at least a year. There are very few auto warranty companies that fit this description. There are about 40 extended auto warranty companies on Google but only a handful that have a C+ of better. And of the handful only 2 or 3 have been in business over a year. You have to be careful about fly by nighters. There selling policies one day and out of business the next.
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.
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.
Subscribe to:
Posts (Atom)