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If you’re a car owner, chances are it didn’t come cheap. And with the cost of vehicle ownership only rising, it only makes sense that you’d want to protect your wallet wherever possible. While regular maintenance is a great way to avoid those dreaded trips to the auto shop, component failure is unfortunately inevitable, and nothing saves you from unexpected repair bills quite like an aftermarket car warranty (also known as a vehicle service contract or garantía extendida).
You’ve probably come across the term during your research and want to know whether you should invest in one. We’ve put together the pros and cons so you can make the right decision for your needs.
Taking out an aftermarket extended car warranty has some seriously great advantages for used cars. Here are a few:
1. They offer extended coverage beyond the manufacturer’s warranty.
Every new car rolls off the production line with what’s known as a Garantía de Fábrica (also known as a manufacturer’s warranty). This is effectively the manufacturer’s promise to repair or replace any components that fail within a predetermined number of years or miles traveled (whichever comes first). Once this expires, however, you’re fully responsible for any repairs that may occur. You may not be able to find exactly like-for-like coverage, but a vehicle service contract (VSC) pretty much continues the protection you’re used to once the manufacturer’s has finished, so you can continue driving with total peace of mind.
2. They’re cost-effective compared to dealership warranties.
Dealerships charge a lot for their extended warranties. They’ll try to convince you that you’re getting a better level of service from them, but it’s simply not true. Many contrato de servicio de vehiculo providers are as good as—if not better than—dealerships and are incentivized to offer coverage to protect drivers against repair costs at a more affordable price point. If that wasn’t enough, VSCs usually throw in some fantastic perks that make them even better value for money.
3. Coverage options are often customizable to fit specific needs.
Dealership warranties usually take a “one size fits all approach,” but everyone’s situation is different. What if you want to keep costs to a minimum and only protect the most important parts of your car? What if your car is considered high mileage? There are so many variables, and proveedores de contratos de servicios para vehículos are often more accommodating, creating a bespoke plan that suits your individual needs and budget.
4. They’re transferable to new owners, increasing resale value.
Having a vehicle service contract says a lot about your car if you come to sell it. For example, it says it’s been well maintained and repaired to a high standard. These points will most likely increase the amount prospective buyers might be willing to pay for it, but if the warranty is transferable to the next owner, you can add even more. Thankfully, the best VSC providers offer transfers as standard.
Like with everything in life, there are some downsides to aftermarket car warranties, including:
1. Limited coverage compared to manufacturer’s warranties.
Manufacturer warranties are as comprehensive as they come. After all, it’s their reputation that’s at stake. While you can certainly find some very comprehensive vehicle service contracts out there, they’ll never quite beat what a factor warranty offers in terms of components repaired/replaced.
2. High deductible fees and exclusions in coverage.
Manufacturer warranties rarely involve deductibles (i.e. a flat fee due whenever a repair is incurred) or exclusions in coverage, but aftermarket warranties generally have both. It’s a downside for sure, but nothing unexpected or unusual where these kinds of contracts are concerned. Auto insurance works in exactly the same way.
3. Coverage may be limited by mileage or age of the car.
Eligibility is a factor you need to consider too. When looking for any sort of aftermarket extended warranty, your car may be too old or too well-traveled to qualify for coverage from some providers. Others may have special coverage specifically designed for these kinds of vehicles, so it pays to look around.
4. Limited repair shop options.
Get a dealership extended warranty, and you’ll be tied to dealerships for authorized car repairs. This can be a huge inconvenience if the closest dealership is miles away from home. All the more reason to opt for a third-party vehicle service contract, as many providers allow you to have repairs carried out at any certified auto shop.
There’s a lot to think about when deciding on the type of warranty to go for and who to buy it from:
Many vehicle service contract providers are out there, but Endurance is widely considered America’s best. We offer unrivaled eligibility—even covering high-mileage and select luxury vehicles—as well as full flexibility, tailoring our protection plans to the unique needs of each individual customer.
Every Endurance warranty plan includes amazing benefits such as 24/7 roadside assistance, rental car reimbursement, and trip-interruption costs as standard. Plus, all new customers receive a year’s free membership to our Elite Benefits program, adding extra perks like total loss protection, tire repair, key fob replacement, and more.
Unlike dealership warranties, you can have your vehicle repaired at any ASE Certified auto shop. So wherever you are when the worst happens, just head to somewhere you trust, and we’ll take care of the rest.
To learn more about how we can help you save thousands on repair bills, contact our equipo de servicio al cliente galardonado en (800) 253-8203 o tienda en linea today. Read more about cars, extended warranties, and more – check out the Endurance blog de garantía extendida del automóvil.
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Al hacer clic en el botón, acepta que Endurance utilice tecnología automatizada para llamarlo, enviarle un correo electrónico y enviarle mensajes de texto utilizando la información de contacto anterior, incluido su número de teléfono móvil, si se proporciona, con respecto a la protección del automóvil o, en California, el seguro contra averías mecánicas. También acepta el Endurance política de privacidad y Términos y condiciones. El consentimiento no es una condición de compra y puede retirar el consentimiento en cualquier momento. Se pueden aplicar tarifas por mensajes y datos.
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Desde los 16 años, Keith ha estado inmerso en la industria automotriz, comenzando su carrera ayudando a su padre a reparar vehículos a una edad temprana. Keith ahora es dueño de su propio taller de reparación familiar certificado por ASE. A+ Cuidado del automóvilEn su tienda, se centra en construir relaciones de confianza con su comunidad a través de un servicio al cliente excepcional. Leer más Acerca de Keith.