Warranty Coverage Options
We offer a variety of products issued by A-rated Insurance carriers with decades of experience in automotive coverage!
Exclusionary Coverage
Exclusionary coverage for cars, often referred to as “bumper-to-bumper” warranty or coverage, is the most comprehensive type of extended warranty you can purchase for a vehicle. Unlike stated component coverage, which only covers specific parts listed in the warranty contract, exclusionary coverage aims to cover almost every mechanical and electrical component of the vehicle, from the front bumper to the back.
Exclusionary coverage is closest to the original factory warranty that comes with new cars, providing a peace of mind similar to what one would experience with a new vehicle. It’s particularly appealing for owners of used or luxury cars, where the cost of repairs can be high, but it’s important to read the fine print to understand exactly what is and isn’t covered.
How Does Exclusionary Coverage Work?
The term “exclusionary” refers to the way the coverage is defined; instead of listing all the components that are covered, the warranty lists the components that are not covered, or “excluded.” Because of this, exclusionary policies offer the broadest protection available, covering nearly all parts and systems of the vehicle except for a short list of exclusions.
What Are The Typical Exclusions?
Typical exclusions in such warranties include maintenance items and wear and tear parts like brake pads, tires, wiper blades, and oil changes, as well as cosmetic items like paint and bodywork. Some policies might also exclude certain high-tech features or aftermarket modifications.
These exclusions include, but are not limited to the following:
• Battery & Battery Cables
• Shock Absorbers
• Manual & Hydraulic Clutch Assembly & Linkages
• Brake Cables & Transmission Cables
• Safety Restraint Systems (including Air Bag Systems)
• Any Component That’s Only Purpose Is Illumination
• Brake Rotors & Drums
• Mirrors, Mirror Housings
• Vinyl & Convertible Tops
• Hubcaps, Tires, Wheels/Rims/Studs
• Other exclusions apply
Deductible Options
The deductibles for Exclusionary coverage offer flexibility to suit different budgets and preferences, with options including $300, $500, or a waived deductible. This means that when a covered repair is needed, the vehicle owner can choose to pay either a $300 or $500 deductible, depending on their selected plan, or potentially have no deductible at all. Importantly, all deductibles are waived if the vehicle is serviced by a recommended facility. This policy encourages vehicle owners to use trusted service providers for their repairs, ensuring quality workmanship and potentially saving money on out-of-pocket expenses for covered repairs.
Comprehensive Coverage
The “Comprehensive Coverage Plan” represents the pinnacle of vehicle warranty protection. The plan includes all the features of both the Powertrain and Powertrain Plus Coverages, while introducing additional safeguards for the modern vehicle owner’s needs. This all-encompassing plan not only covers the critical mechanical components such as the engine, transmission, drive systems, and the extended coverage for air conditioning, heating, cooling systems, fuel systems, electrical systems, suspension, brakes, ABS, and steering, but it also ventures into the realm of in-vehicle technology and comfort.
Plan Highlights
Key highlights of this plan include coverage for factory-installed Audio systems, ensuring that components responsible for your vehicle’s entertainment remain in top working order. For those driving the increasingly popular hybrid vehicles, the Comprehensive Coverage Plan covers Essential components critical for hybrid functionality, safeguarding the unique parts that allow for efficient performance and environmental friendliness. Furthermore, the plan extends to cover Entertainment and Navigation systems, protecting the modern amenities that provide both navigation assistance and pleasure during your journeys. This includes everything from GPS systems to multimedia interfaces, ensuring that you stay connected and entertained regardless of where your travels take you.
In essence, the Comprehensive Coverage Plan is designed for the vehicle owner who seeks peace of mind across every aspect of their vehicle’s operation, comfort, and convenience, offering an unparalleled level of protection in the automotive warranty landscape.
Powertrain Plus Coverage
The “Powertrain Plus Coverage” extends beyond the protection offered by the standard Powertrain Warranty, incorporating several additional systems crucial for the vehicle’s performance, comfort, and safety. Alongside the extensive coverage of the engine, transmission, transfer case, and drive systems, this enhanced warranty includes major components of the Air Conditioning and Heating systems, ensuring a comfortable driving environment in all conditions.
The Cooling System is also covered, from the water pump to the radiator, to prevent overheating and ensure efficient operation. Fuel Systems for both gasoline and diesel engines are protected, covering key components that ensure efficient fuel delivery and engine performance.
The Electrical System warranty includes vital parts such as the alternator and electronic controllers, crucial for the vehicle’s operation and convenience features. Suspension components, including everything from control arms to struts, are covered, ensuring a smooth ride and handling. The Brakes and ABS System coverage encompasses the majority of the braking system and essential parts for the anti-lock braking, enhancing safety. Lastly, the Steering system coverage, from the steering gear to the steering shafts, ensures precise control and maneuverability. This expanded coverage offers a more comprehensive safety net, addressing nearly all aspects of the vehicle’s operation and comfort.
Powertrain Coverage
A powertrain warranty provides comprehensive coverage for the most crucial components of a vehicle that contribute to its propulsion.
This includes the gasoline and diesel engine, covering vital parts such as the crankshaft, camshaft, pistons, and other internal components essential for the engine’s operation. For vehicles equipped with a turbocharger or supercharger, the warranty extends to these factory-installed components, ensuring their performance and reliability.
The transmission, another key element of the powertrain, is covered from the torque converter to the transmission mounts, encompassing all significant parts in between. The transfer case, crucial for vehicles with four-wheel drive or all-wheel drive, is protected, including the main shaft, output shafts, and bearings.
Additionally, the extended warranty covers the drive systems, ensuring that parts within the front/rear wheel drives and four-wheel/all-wheel drives are safeguarded against defects and malfunctions, providing peace of mind and security for vehicle owners.
Roadside Assistance
Available 24/7 anywhere in the U.S. and Canada. Service include towing assistance, flat tire assistance, lock-out assistance, battery assistance, fuel, oil, fluid and water delivery.
Rental Car Reimbursement
Available 24/7 anywhere in the U.S. and Canada. Service include towing assistance, flat tire assistance, lock-out assistance, battery assistance, fuel, oil, fluid and water delivery.
Trip Interuption
Available 24/7 anywhere in the U.S. and Canada. Service include towing assistance, flat tire assistance, lock-out assistance, battery assistance, fuel, oil, fluid and water delivery.
Diagnostic Coverage
Available 24/7 anywhere in the U.S. and Canada. Service include towing assistance, flat tire assistance, lock-out assistance, battery assistance, fuel, oil, fluid and water delivery.
Coverages That Requires Additional Surcharges
- Oversized Tires/Lifted/Drop: For vehicles with specific alterations.
- Snowplow: For vehicles equipped with a snowplow.
- Business & Commercial Use: For vehicles used for specific purposes.
- Autonomous Driving Systems (ADS): For vehicles with advanced driving tech.
- Hybrid/EV Battery: Specialized coverage for hybrid & EV vehicles.
- Tech: Extended coverage for various tech components.
Interior & Exterior Add-ons
- Key Replacement: Stolen or lost key protection
- Paint Dent Repair: Preserve resale value
- Windshield Protection: Chip and scratch protection
- Cosmetic Alloy Wheel: Protects against scuffing, pitting, corrosion, and brake dust buildup
- Tire & Wheel: Protection from road hazards damaging your precious tires and wheels