How to Decide if You Need a Bumper-to-Bumper Warranty
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- Tip 1 of 5: Find out if bumper-to-bumper is included and for how long
- Tip 2 of 5: Understand what the warranty covers
- Tip 3 of 5: Understand what the warranty does not cover
- Tip 4 of 5: Carefully read your warranty
- Tip 5 of 5: Consider a powertrain warranty
New cars often come with a “bumper-to-bumper” warranty, but not every consumer knows what that covers. A bumper-to-bumper warranty comes from the car manufacturer and is a way to protect against possible faulty equipment or defective pieces. Despite the name, a bumper-to-bumper warranty isn’t all inclusive, and you might need additional coverage to be truly protected. This article includes five tips: how to find out if bumper-to-bumper is included in your new car warranty, figuring out what it covers, knowing what it doesn’t cover, what to look for when reading the fine print, and when to consider a powertrain warranty.
Tip 1 of 5: Find out if bumper-to-bumper is included and for how long
If you are buying a new car, a bumper-to-bumper warranty is usually included for three years. The warranty is offered as a safeguard against defective parts or faulty equipment that comes from the manufacturer. If you purchased your car from a dealership, the salesman may ask if you want to extend your warranty for up to five years for an additional fee.
Tip 2 of 5: Understand what the warranty covers
The name bumper-to-bumper is meant to include everything between the two bumpers. For example, the bumper-to-bumper warranty would cover engine issues or problems with the transmission. In the event of a maintenance complication, you would be able to bring your car in for free repairs while it is still under warranty.
Tip 3 of 5: Understand what the warranty does not cover
A bumper-to-bumper warranty does not cover normal wear and tear, and it doesn’t cover tires. Any damage to the car caused by the driver or other vehicles is not covered. Tire wear, scratches, and windshield cracks are all excluded under the typical bumper-to-bumper warranty. These types of damages are outside of the manufacturer’s control and therefore not included in the warranty.
Tip 4 of 5: Carefully read your warranty
Warranties are not universal; they differ depending on the model, manufacturer, and year of purchase. Even if you have researched similar warranties ahead of time, the warranty tied to the vehicle you purchase could be completely different. Take the time to read over your own warranty so that you understand what is and isn’t covered.
If you purchase a luxury brand vehicle, your warranty may include things such as regular service, tune-ups, and tire rotation. Some warranties cover roadside assistance for a limited amount of time. Knowing your warranty will allow you to make use of these features.
Tip 5 of 5: Consider a powertrain warranty
If you are only interested in covering the most expensive parts of your car, consider requesting a powertrain warranty. Powertrain warranties cover the engine, transmission, and other engine components that keep the car running. A powertrain warranty is more of a no-frills approach and disregards issues that might not be as vital.
Even with a bumper-to-bumper warranty, your new vehicle will still need comprehensive insurance coverage. Keep yourself informed of what’s already covered and make sure you get additional insurance where needed so you never experience financial strain if you’re in an accident.