extended auto repair insurance: a cautious look before you buy

What it really covers

I like warranties in theory, but I read the fine print twice. This coverage promises help when a major component fails after the factory warranty ends. The promise matters; the details matter more.

• Powertrain often included; accessories are hit-or-miss.
• Wear items like brakes and tires? Usually excluded.
• Diagnostics and taxes can be covered, capped, or ignored.
• Deductibles may apply per visit or per repair.

Where it helps, and where it doesn't

On a wet Thursday, my neighbor's starter died two months past warranty. One call, a tow, claim approved, and a rental for two days. Deductible paid, bill mostly covered. Good outcome - yet the policy had already cost months of premiums, and it wouldn't have helped if the battery had been the culprit.

Compare before you sign

1. Match coverage to common failures for your model and mileage.
2. Check labor rates, parts quality, and whether you choose the shop.
3. Look for limits, per-claim caps, and aggregate maximums.
4. Ask how pre-authorization works and typical claim timelines.
5. Verify transferability and cancellation refunds.

Tempered expectation: this isn't a money printer. For reliable cars with low annual miles, a repair fund may beat premiums. For complex, high-mileage vehicles far from warranty, coverage can buy predictability more than savings. I want reliability first, insurance second - and only after a careful comparison of cost versus risk.