Leif Olson, Car Insurance Writer
Yes, AAA offers mechanical breakdown insurance for cars that are less than 15 months old and have less than 15,000 miles on them. AAA mechanical breakdown insurance (MBI) is a policy add-on that insures a vehicle against mechanical problems, such as transmission or engine failure, which are not covered by standard car insurance policies.
However, mechanical breakdown insurance will not pay for routine maintenance, wear and tear, or damage caused by an accident. Other exclusions to AAA mechanical breakdown coverage include filters, spark plugs, tires, fluids (coolant, oil, wiper fluid, etc.), repairs categorized as normal maintenance and intentional damage.
AAA Mechanical Breakdown Insurance Cost
The cost of AAA mechanical breakdown insurance varies depending on the car, but the average MBI policy costs around $100 a year. Customers will also need to pay a deductible of $100, reduced to $50 at any AAA authorized auto repair and $0 at any ClubOwned repair facility, before AAA MBI goes into effect.
Mechanical breakdown insurance from AAA is a good alternative to an extended warranty from the vehicle manufacturer, which might provide the same type of coverage but will usually cost around $1,500 total. For more information on whether AAA MBI is worth it, check out WalletHub’s complete guide to mechanical breakdown insurance.
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