Don't Expect Car Insurance Companies To Pay For Routine Repairs

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Find savings (100% Free)
4.7/5 Rating on App Store
Nobody likes paying for routine car maintenance.
Jane Lu · Apr 29, 2021
TABLE OF CONTENTS
  • When are you responsible for car repair costs?
  • A warranty can help cover an expensive car repair
  • Find affordable insurance coverage while shopping for a warranty
When it comes to routine car repairs caused by general wear and tear, car insurance companies are typically not responsible for paying. Simply put, the cost for car repair not caused by collisions or accidents is usually not covered by car insurance policies.
Allstate provides information about incidents covered under different insurance policies and how to get additional protection for expensive repairs. You might want to opt for a car warranty that covers maintenance costs if you expect expensive car repair bills.

When are you responsible for car repair costs?

MORE: A Detailed Breakdown of Car Insurance Coverage
If your car breaks down, has a mechanical or engine failure, the cost of replacement or repair will most likely fall to you. Generally, the repair costs that arise from everyday use won’t be covered.
However, two common types of insurance coverage will help pay for damages from perils and accidents. Comprehensive coverage will cover the costs of damages from perils such as fire, theft, and falling objects. Collision coverage can help you pay for repairs after a collision whether it is with another vehicle or an object.
If you think the cost to maintain your car is low, or your vehicle runs smoothly, you might forgo any optional coverage. In any case, if your car repair is not covered, you might want to keep some funds aside to make sure you can pay for it yourself.

A warranty can help cover an expensive car repair

If you are worried about the maintenance cost of your vehicle, especially if it is a new car, you might want to consider buying a car warranty. Damaging a new car is stressful enough without the additional costs. Like a product warranty, there are different types such as a new car warranty or an extended warranty.
You can usually purchase a car warranty from your car manufacturer, but you can research third-party companies for different options. Websites like Consumer Affairs let you compare different auto warranty options with up-to-date information and reviews.
New car insurance is different from a new car warranty and each protects your car in different ways. Make sure to consider each type of protection so it matches your needs. New car warranties will typically provide “bumper-to-bumper” coverage, including repair costs for your car’s electronics or air conditioning, and “powertrain” coverage for the engine and transmission.
You can also consider getting a membership for roadside assistance to help with things like towing or flat-tire repairs. A similar type of optional roadside coverage might be part of your insurance policy.
Be sure to check what’s included in your coverage when you are shopping for any type of insurance or warranty.

Find affordable insurance coverage while shopping for a warranty

Purchasing a car warranty doesn’t give you full protection from car damages and accidents so it doesn’t mean you won’t need car insurance. While you are researching car warranty options or other optional types of coverage, Jerry can take care of the car insurance shopping for you.
It takes seconds for Jerry to collect quotes from up to 45 top insurance companies. Jerry does all the comparison work for you and finds the most affordable prices for your customized needs.
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!
Jerry.ai is the easiest way to compare and buy car insurance
arrow
No long forms
arrow
No spam or unwanted phone calls
arrow
Quotes from top insurance companies
Find savings (100% Free)
4.7/5 Rating on App Store
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!