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Auto Warranty

Your insurance coverage will protect your vehicle in most cases; however extended auto warranty guarantees various protections that auto insurance does not. It is a common choice for new-car or mid-mileage owners to make, because the guarantee of minimizing costs is considered worthwhile.

Auto warranty falls into the following three categories:

  • Bumper-to-Bumper Warranty: More commonly known as exclusionary coverage because this covers the majority of parts and components in a vehicle, that only what is excluded from coverage can be listed. New car owners or vehicles below 50,000 to 60,000 choose this option. It is also known as new car coverage, a wrap plan, luxury or full coverage.
  • Stated Component Coverage: Also called an inclusionary policy because the number of parts it covers is explained. Used for vehicles with mileage between 50,000 and 100,000 miles.
  • Powertrain Coverage: This is a basic coverage that protects the engine, transmission and drive axles. There are versions to the policies called "plus" or "enhanced" that extend coverage to additional vehicle parts like the starter and air conditioner. Powertrain Coverage insures the most essential equipment, and will protect you from the most expensive repair bills in a wreck.