Extended car warranty
When the manufacturer’s guarantee on your vehicle expires, an extended auto warranty may be able to assist cover the cost of certain repairs. An extended warranty, also known as an auto/car service contract, is an additional plan you can purchase to help you pay for certain repairs your vehicle may require while you own it. This usually starts when the manufacturer’s warranty runs out, but the two can sometimes overlap. However, an extended warranty does not cover all eventualities.
What are the coverage plans for the Bumper-to-bumper extended warranty
A bumper-to-bumper extended warranty is comprehensive and has the highest degree of coverage. You can get it from an extended car warranty company. The specifics of coverage differ per provider, but most cover the vehicle’s critical mechanical and electrical systems, except for a small list of not covered items.
Manufacturers’ limited factory warranties provide bumper-to-bumper coverage for new automobiles. Typically, these agreements run three years or 36,000 miles, whichever comes first. After the manufacturer’s warranty has expired, a bumper-to-bumper warranty extension can be purchased from the manufacturer or from a third-party supplier to keep your car protected.
What’s covered in a bumper-to-bumper extended warranty?
Naturally, this is contingent on the contract and the provider. Some agreements will be more detailed than others. Here are some examples of what your vehicle warranty might cover:
- Steering
- Suspension
- Fuel distribution systems
- Air conditioning and heating system
- Electrical system
- Braking system
Manufacturers frequently include various coverage options and supplementary benefits in their protection plans, which vary by company. In some plans, corrosion protection and emissions coverage are extensively added to manufacturer warranties.
Unfortunately, while manufacturer-extended warranties provide complete coverage and additional benefits, the customer’s repair or replacement options are confined to the dealership.
What are the exclusions in a bumper-to-bumper extended warranty?
The following points are exclusions in bumper-to-bumper extended warranty:
- Brake pads, drums, upholstery, seat belts, rotors, and the automobile’s other wear-and-tear components
- Routine maintenance: oil changing, rotation of tires, wheel alignment, and scheduled service per the manufacturer’s recommendations.
- Headlights, brake lights, windows, and windshields are examples of automotive glass parts.
- Abuse, misuse, neglect, crashes, inappropriate fluids, fuels, lubricants, acts of nature, and more can all cause damage.
- Brake discs
- Oil filters and changes
- wiper blades
- Tires (though you can buy a warranty specifically for tire coverage)
- Personal modifications to the car that were not initially included
- Damages as a consequence of bad weather conditions
- Headlights/taillights and lenses
- Cosmetic fixes like paint, dents, and dings
- Upholstery and fabric
- Accidental damage repairs
- Significant repairs due to negligence or lack of maintenance. Other contracts’ plans cover things that are probably not covered bumper-to-bumper extended warranty, pre-paid maintenance plan from your vehicle’s manufacturer’s warranty, or coverage given by your car insurance provider.
Determining the cost of bumper-to-bumper extended warranty
The cost of a bumper-to-bumper extended warranty is around $2,500, but the actual amount will depend on your car. For three to seven years of coverage, we’ve gotten quotations for bumper-to-bumper warranties ranging from $1,700 to $4,600.
Factors associated with Bumper-to-bumper extended warranty cost
Because of the increased degree of coverage, bumper-to-bumper extended warranties often cost more than powertrain warranties, but this varies based on several factors. The associated factors with the concerned topic’s cost are given hereunder:
- The extended warranty company you choose.
- The degree of protection you select.
- The mileage of your vehicle.
- The vehicle’s performance.
- The vehicle’s year and model.
- The customer chooses the deductible option.
- Whether you get insurance from a manufacturer or a third-party supplier.
Merits of Getting a bumper-to-bumper extended warranty for your car
Most bumper-to-bumper extended warranty agreements from manufacturers and third parties comprise benefits. The merits of getting a bumper-to-bumper extended warranty are hereunder:
- There is 24-hour roadside assistance provided: It Includes lockouts, battery jump-starts, and emergency fuel supplies, among other stuff and parts.
- It is beneficial in case of towing to the nearest dealership or if one has access to a third-party warranty or the certified repair facility of your choosing.
- Trip interruption coverage: a reimbursement for meals and housing if your vehicle breaks down far from home, and you must stay overnight while it is repaired.
- Rental Car Reimbursement: Provides coverage for alternate modes of transportation when the vehicle is repaired for a covered service. The specifics of the coverage and additional benefits differ depending on the carrier you choose.
Powertrain extended warranties compared to bumper-to-bumper warranties.
If you want long-term reliability beyond the normal manufacturer’s warranty, an extended warranty is a service contract that can help. Both warranties are the two most common kinds of automobile warranties. In most cases, a Powertrain Warranty covers the transmission and engine. Although “bumper” coverage can cover virtually every aspect of your vehicle, it may not cover everything (a few limitations are there ). Auto warranties often do not cover replacement service for worn items such as brake pads, air filters, engine oil, or tires due to negligent decisions. Depending on the warranty you buy, extras like Travel Interruption Reimbursement, a free satellite radio trial period, Rental Car Reimbursement, and even Roadside Assistance may be included.
Should it be purchased?
Extended bumper-to-bumper coverage is intriguing because it can provide peace of mind after your factory warranty has expired. However, two factors can be considered before getting extended coverage: the reliability of your car and your financial situation.
Most dealerships and third-party suppliers have a wide range of protection plans and term durations. Manufacturers and independent warranty providers can usually work with you to select a plan that fits your budget. Extended auto warranties often include additional benefits in addition to long-term protection, which are detailed in the blog’s perks section.
Frequently Asked Questions
Are bumpers covered in a bumper-to-bumper extended warranty?
A bumper is unlikely to be covered in the plans. However, if one gets their bumper damaged, it is more likely to be covered within the car’s insurance policy than a bumper-to-bumper extended warranty.
Why are parts like brakes not included in bumper-to-bumper coverage plans?
It is because these parts wear out on daily use. Especially if the vehicles are driven extensively on a local basis, the brakes will wear out quickly.
Is a bumper-to-bumper extended warranty worth it?
Yes, a bumper-to-bumper extended warranty can be worth it if you’re looking for peace of mind to avoid costly repairs or if your vehicle is unreliable.
What does a bumper-to-bumper extended warranty coverage plan not cover?
A bumper-to-bumper extended warranty does not cover any items that wear out over time, like windshield wipers or brake pads. We recommend reading through your warranty contract before you purchase coverage to know which components are excluded.
