Mechanical repair coverage is an extended car warranty package that pays for repairs after a vehicle experiences mechanical failure. Mechanical repair coverage specifically applies to the basic systems of the car, including the engine, transmission, brakes, and steering. It does not cover normal wear and tear or general upkeep, such as oil changes or battery replacement.
Mechanical repair coverage plans are similar to mechanical breakdown insurance, except drivers buy mechanical repair coverage from an independent provider, like a credit union, instead of an insurance company. When you purchase a mechanical repair coverage plan, you will pay a premium just like you would for a regular car insurance policy. Then, if your car has a mechanical failure and needs to be repaired down the line, you will only have to pay your deductible, which is usually no more than $250.
The cost of mechanical repair coverage depends on what kind of car you drive, what state you’re in, and how much coverage you purchase. Most vendors offer different levels of coverage, with more expensive options providing broader protection. For example, a high-end plan might include safety and security systems in its coverage.
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