What is covered under Esurance's mechanical breakdown insurance?

The main difference between mechanical breakdown insurance and an extended warranty is where you buy them. Mechanical breakdown insurance (MBI) is typically purchased through a car insurance company, whereas an extended warranty is usually purchased through a dealership, manufacturer, or third-party company.

Both MBI and extended warranties cover expensive repairs to ageing vehicles. While their coverage areas are similar, extended warranties are usually much more expensive than MBI. Typically, MBI is added to an...

No, car insurance does not cover mechanical problems unless you carry mechanical breakdown insurance. Mechanical breakdown insurance is a policy add-on that covers the failure of major vehicle systems such as the engine or transmission.

Standard car insurance policies do not provide this coverage, so if you don’t purchase mechanical breakdown insurance, you will have to pay for the repairs yourself. Several major insurance companies, including Geico and Allstate, offer mechanical breakdown insurance, which only costs about...

No, car insurance does not cover engine repairs unless you have mechanical breakdown insurance or the damage is the result of a covered cause, such as a car crash. Mechanical breakdown insurance is a car insurance policy add-on that covers the failure of major vehicle systems, including the engine.

Even mechanical breakdown insurance (MBI) is not guaranteed to cover engine repairs. MBI covers engine repairs after sudden failure, but it does not pay for repairs related to normal...