Milvionne Chery Copeland, Writer
@milvionne_copeland
The best mechanical breakdown insurance in California is from Mercury, GEICO, and Endurance. They cover many vehicle components, have high ratings from consumer watchdog groups, and are some of the few insurance companies licensed to sell mechanical breakdown insurance in California.
Best Mechanical Breakdown Insurance in California
Mechanical breakdown insurance (MBI) provides coverage for the major systems in your car, like the engine and transmission, which are not covered by standard car insurance policies. It is typically sold as an add-on to your insurance policy. California regulates MBI policies to ensure consumers are not charged excessive amounts. Only licensed insurance companies and agents are allowed to sell MBI in California.
To learn more, check out WalletHub’s complete guide on mechanical breakdown insurance.
People also ask
What is mechanical breakdown insurance?
Mechanical breakdown insurance is coverage that protects major systems in your car – like the engine and transmission– that aren’t covered by standard car insurance. Mechanical breakdown insurance (MBI) is optional, but it might be a good choice if you want coverage for your car’s electrical and mechanical parts.
If you have MBI coverage added onto your car insurance policy, you can submit claims for major system issues just like you would for any...
read full answer by Leif Olson, Car Insurance WriterIs a mechanical protection plan worth it?
A mechanical protection plan is worth it, if you don't want to worry about the cost of paying for repairs out of pocket should your car break down. You can get a mechanical protection plan from auto dealerships, vehicle manufacturers or independent providers, such as Endurance or CarShield.
Other independent providers of mechanical protection plans:
- Carchex
- autopom!
- Toco Warranty
- Omega Auto Care
- Infinite Auto Protection
- Concord Auto Protect
- Preferred Warranties
Mechanical protection plans usually...
read full answer by Lilah Butler, Car Insurance WriterWhat does mechanical breakdown insurance cover?
Mechanical breakdown insurance covers the major systems in your car, like the engine, transmission, and brakes, which aren’t covered by standard car insurance. For example, mechanical breakdown insurance (MBI) would cover a blown transmission or head gasket—repairs that even full coverage car insurance leaves out.
What Mechanical Breakdown Insurance Does & Does Not Cover
| Covered | Not Covered |
| Engine | ... |
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