Lilah Butler, Car Insurance Writer
@lilah_c
No, Allstate does not offer mechanical breakdown insurance, but vehicle service plans are available. An Allstate vehicle service plan is a policy add-on that covers mechanical problems, such as transmission or engine failure, and it is very similar to mechanical breakdown insurance.
The biggest difference between mechanical breakdown insurance (MBI) and a vehicle service plan is that vehicle service plans are often significantly more expensive than MBI. Additionally, vehicle service plans are usually written and administered by a third-party company, even though you purchase them from your insurer, while MBI normally involves just your insurer.
Neither mechanical breakdown insurance nor a vehicle service plan will pay for routine maintenance, wear and tear, or damage caused by an accident. Other exclusions to Allstate vehicle service plans include filters, fluids, tires, brake pads, spark plugs, and any damage caused intentionally or by improper maintenance.
People also ask
Are Allstate insurance rates competitive?
Yes, Allstate insurance rates are competitive, as the company is one of the 10 cheapest auto insurers nationally, according to WalletHub analysis. Allstate car insurance customers pay an average of $781 per year for coverage. Allstate's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote,...
read full answerDoes car insurance cover repairs?
No, traditional car insurance does not cover ordinary repairs or maintenance to your car. If your car is covered by comprehensive insurance, your insurance company will cover mechanical repairs caused by a car accident, natural disasters, or other unforeseeable events.
Insurance companies do offer a type of coverage that policy holders can use for repairs. This coverage is called mechanical breakdown insurance (MBI), or repair insurance. MBI is offered by some insurance companies and comes with a...
read full answerCan you get mechanical breakdown insurance for high mileage cars?
No, you cannot get mechanical breakdown insurance for high mileage cars from most insurance companies, which generally require drivers to purchase coverage before a car has 15,000 miles on it. One major exception to this is USAA, which insures cars with up to 250,000 miles as long as they are less than 10 years old.
If a driver with a high mileage vehicle does not qualify for mechanical breakdown insurance, they should consider getting an extended warranty...
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