Coverage

Young woman collecting care from repair shopInterested in vehicle protection but not sure what exactly is covered? Our plans cover you end-to-end but some items may be maintenance items Find out what is included for used autos and how much coverage your vehicle truly needs.

Dealer Pitches

There are different types of warranties, insurance options, and protection plans offered to drivers by dealers at the time of purchase for both used and new cars. If you are in the market for a new vehicle, make sure that you understand each type that may be offered to you.

Tire Warranty

Typically, your tires come with warranties all their own; these include tire life, road hazards and tread-life. Generally, tire manufactures note that the life of a tire should be either six years from the date of purchase or when there is just 2/32nds of an inch left on your tire’s tread.

Every manufacturer offers a tread-life warranty, and these can vary from manufacturer to manufacturer, and will depend upon the type of tire. For example, a high end sports car’s tires will have a lower mileage estimate than the type found on economy cars, simply because the type of driving done on the tires is completely different.

Some manufacturers do offer road hazard warranties, but these are rare. These warranties cover flat tires caused by debris. Typically this is an option that is offered by tire stores and dealerships. The manufacturer’s road hazard warranty will be limited to one year after purchase, whereas the tire store or dealership may offer warranties that last for several years and cost anywhere from $10 to $20 per tire.

Fabric Protection

Believe it or not, you can purchase insurance for your upholstery. This fabric protection will protect the interior against staining. If your vehicle has vinyl or leather surfaces, the insurance will protect against color fading. Typically, this protects you against normal spills, oils, and greasy foods. It will also protect your fabric from fading and discoloration if you make your claims within a set period of time.

Usually, once you report the claim, the area is treated, cleaned and/or repaired without any charge to you.

Paint Sealant

Paint sealant is a dealer option that is typically promoted as a product used in the aerospace industry. It offers your car a year-round shine, without waxing. It provides your vehicle with a long-lasting barrier against the environment and it s protective paint sealant.

Window Etching

Window etching your new vehicle’s VIN number into the glass is an anti-theft practice that many dealer’s are offering for a nominal price. It involves the physical act of acid etching or engraving the VIN number on the car’s windows, frame and other major components. Because the VIN number is visible, it is thought that thieves will move on, and leave your car alone.

The coverage offers a cash benefit, paid to the policy holder, if vehicle is stolen and not recovered.

Additionally, most dealerships offer an additional incentive: If the car is stolen, and it cannot be recovered or it is damaged beyond repair, the dealership will typically give you a large discount on the purchase of a replacement vehicle.

Rust-Proofing and Undercoating

Dealers offer a number of different packages that include both undercoating and rust-proofing. There are both basic and premium packages. The latter often comes with an extra ‘sound deadening’ option to give riders ultra peace and quiet as they drive along.

Dealers that offer this additional protection say that it is especially helpful in colder climates, where salt is used on the roads in ice and snow.

And, for anyone who lives in areas where they must drive on unpaved roadways, you know that much of the damage done to your car is actually done by the stones that fly up and grind and chip away at the undercarriage of your vehicle. Dealers note that the additional undercoating and rust-proofing can help to prolong the life of your car in this situation.

Typically this after-market protection costs about $150 but it can prevent a variety of repairs which are much more costly to fix.

Gap Insurance

At some point, most owners will owe more on their car than it is worth. This is simply because automobiles depreciate quickly. If a car is totaled, it is sometimes problematic, because you only recoup what the car is worth, and you can end up still owing the difference. This is where Gap insurance comes in.

Gap insurance ensures that you do not have to pay that extra money. This insurance is usually negotiable, and can be purchased from either the dealer or your own insurance company. It can vary in price depending upon the type of car (year, make, and model) purchased.

Credit Insurance

Credit insurance is a type of insurance that is designed to make sure your next of kin does not have to pay off your car loan if you were pass away before the car was paid off.

The price of the insurance will vary based upon your credit history. Some life insurance policies also cover this.