I had a car a few years ago that seemed to always have one problem after another. Finally, I got tired of paying for repair after repair, knowing that I was just going to end up paying again in a month or so. I wanted to save up for a better car, but I couldn’t do it if I was always paying the mechanic. So the next time that my car started overheating, I decided to fix it myself. I bought some tools, checked some books on car repair out of the library, looked up answers to my questions online, and pulled parts from old cars at the junkyard. And eventually, I fixed it. You can fix your own car problems too. I started this website to help people who are trying to learn how to be their own mechanics. If I can do it, you can do it.
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Radical Radiator Repair
An Overview On Mechanical Breakdown Insurance
Bobbie Jones
If you own a car, then you have auto insurance, as it's the law. But what auto insurance does not cover is the mechanical breakdown of your car. And when your car has issues and you're past your warranty, fixing your car can become quite costly. One way you can consider paying for your car's mechanical repairs is with mechanical breakdown insurance. Different from regular auto insurance, mechanical breakdown insurance pays for those times when your car won't start, separate from any problems you have after your car has been involved in an automobile accident. Here is an overview of what mechanical insurance entails and why it may be beneficial for you.
Benefits of Mechanical Auto Insurance
There's no doubt that you spend a lot of money on auto repairs. But you can ensure that your auto repairs cost a little bit less when you purchase mechanical auto insurance. Consider these benefits:
- Coverage is available for most cars and trucks.
- Some policies come with roadside assistance or towing services.
- Will cover services that are not covered under your manufacturer's warranty.
- Rental coverage is available is some policies, which means you won't be out of a car when your car is in the shop.
Difference between Mechanical Insurance vs. Warranty Plans
When you purchase mechanical breakdown insurance, it's a policy that is geared specifically towards repairs and replacement parts that are not covered in your warranty. Usually people purchase mechanical breakdown insurance when they don't have a warranty already in place on their car.
You don't necessarily have to purchase mechanical breakdown insurance if you don't have a warranty, however, as it is available for both new and used cars. Your car's warranty covers your new car for so many miles, where your mechanical breakdown insurance covers your car for as long as you continue to hold the policy. However, it's important to point out that some insurance companies won't cover older vehicles or vehicles that are past a certain amount of miles, so check around with a number of different auto insurance providers to find coverage for your particular car.
Many mechanical breakdown insurance coverage policies do require that you pay a deductible. However, that amount is usually quite low and only amounts to a couple of hundred dollars a year. Compared to the cost of having your car repaired, it's well worth looking into purchasing a mechanical breakdown insurance policy.
Talk to an auto repair company like Road-Mart Tire to learn more about payment options for getting your car fixed.
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