The Ultimate Guide to Car Repair Plans

Car repair plans can be a great way to protect yourself from unexpected repair costs. However, it’s important to understand what these plans cover and how they work before you buy one.

There are two main types of car repair plans: extended warranties and mechanical breakdown insurance. Extended warranties are typically offered by the car manufacturer or dealership when you buy a new car. They can cover a wide range of parts and repairs, but they usually have a high deductible. Mechanical breakdown insurance, on the other hand, is typically offered by an insurance company. It typically covers a narrower range of parts and repairs, but it has a lower deductible.

In addition to the type of plan, there are a few other factors to consider when choosing a car repair plan. These include the length of coverage, the mileage limit, and the cost.

Length of Coverage

Most car repair plans offer coverage for a set period of time, such as three years or five years. Some plans also offer lifetime coverage, but these plans are typically more expensive.

Mileage Limit

Some car repair plans have a mileage limit. This means that the plan will only cover repairs up to a certain number of miles. If you exceed the mileage limit, you may have to pay for some or all of the repair costs out of pocket.


The cost of a car repair plan will vary depending on the type of plan, the length of coverage, and the mileage limit. You can typically get quotes for car repair plans online or from a car dealership.

Is a Car Repair Plan Right for You?

Whether or not a car repair plan is right for you depends on your individual needs and circumstances. If you have a new car with a factory warranty, you may not need an extended warranty. However, if you have an older car or a car with a high-mileage, an extended warranty or mechanical breakdown insurance could be a good way to protect yourself from unexpected repair costs.

Here are some tips for choosing a car repair plan:

  • Compare different plans from different providers.
  • Read the fine print carefully to understand what is and is not covered.
  • Make sure the plan covers the types of repairs you are most likely to need.
  • Consider the cost of the plan and whether it is worth it to you.

If you are considering a car repair plan, be sure to do your research and compare different plans before you buy one. This will help you find the best plan for your needs and budget.