Anyone that has ever owned a vehicle, knows that it comes with more financial obligations than just the purchase price alone. Car ownership is a big commitment that can include many unforeseen expenses. Maintenance, insurance, gas, recalls, repairs, and malfunctions are just part of the package. No matter how long you have owned your vehicle or how well you maintain it, it is still a machine with various moving parts. Unfortunately, those parts are not built to last forever. That is why most vehicle manufacturer’s only offer a few years of coverage, even on the newest vehicles.
Most people are familiar with automobile insurance because most states require drivers to carry, at minimum, liability insurance to cover the financial responsibilities associated with driving. However, when it comes to a breakdown or mechanical failure, most automobile insurance providers do not cover these costs, regardless of your level of coverage.
After the manufacturer’s warranty expires, a vehicle service contract can help you prepare for unexpected repair costs. Most vehicle service contracts include coverage for diagnostics, parts, labor, towing, roadside assistance, and much more.
As with most insurance plans, you cannot wait for something to happen or breakdown to add a coverage plan. Your vehicle has to be in good working order and have a clean title to qualify for a vehicle service contract.
Some dealerships may offer a vehicle service contract when you purchase a new or preowned vehicle. However, these plans are often short term plans, offered at a higher cost. Many dealerships will add the price of coverage into the vehicle cost or just add it on in the financing. This can cause additional charges and interest to accrue throughout the length of your loan. Also be cautious, as some dealership plans may require you to use their repair facilities for all of your maintenance and repairs. This can be problematic if you live far away or break down when you are traveling.
A licensed agent is usually the best bet when it comes to purchasing a vehicle service contract. Licensed agents are specifically trained on the different coverage plans and options available in each state. They can do the leg work for you and compare plans to find the best coverage options to fit your specific driving needs and budget. They will ask about your driving habits and long term plans for the vehicle to ensure that you get the best possible coverage at the lowest cost. Plus, there are no restrictions on what repair facility you use and often longer coverage terms available as well.
Compare policies to ensure that you are getting the best coverage for your needs.
A vehicle service contract can protect your budget in the event of a mechanical breakdown or failure. Don’t wait until your vehicle has broken down to decide on coverage, then it is too late. Unlike repair bills, there is no need to pay the entire cost of the policy at once. There are many payment options available to fit most any budget.
Choosing the right vehicle service contract is an important decision. Research your options and read through your policy carefully to ensure that you have the best coverage for your circumstances. Knowing the benefits of your policy can make all the difference in the world. Enjoy the additional benefits that most policies provide, such as roadside assistance, towing, rental car benefits, and trip interruption service. Never get stranded on the side of the road again. With a vehicle service contract you will have peace of mind, knowing you are fully protected.
Check out Athena Auto Protection for all of your vehicle service contract needs. Licensed agents are ready and available to assist you.
