An auto warranty add-on is a protection plan you can include with your car insurance policy. While your car insurance covers accidents, theft, and liability, an auto warranty covers mechanical and electrical breakdowns that aren’t accident-related — like engine failures, transmission issues, or electrical malfunctions.
Instead of buying an expensive extended warranty from a car dealership, you can secure the same (or better) protection right through your insurance company, often at a lower price and with easier claims handling.
Lower Costs:
Dealership warranties often include dealer markups, sales commissions, and hidden fees. Getting a warranty through your insurance typically costs less because it skips the middleman.
Simpler Claims Process:
Filing warranty claims through your insurer means working with a single company you already trust — no jumping between the dealer, warranty administrator, and repair shop.
Flexible Coverage Options:
Insurance-based warranties let you tailor the coverage to your needs: choose what systems you want to cover, how long you want protection, and how much deductible fits your budget.
Bundled Convenience:
Combine your payments and manage everything in one place — one bill, one company, one point of contact for both insurance and warranty services.
Nationwide Repair Networks:
Many insurer-backed warranties allow you to choose from a wide network of licensed repair shops, giving you more freedom than some dealership-backed plans.
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