If I Get a Vehicle Service Contract Can I Still Work with My Local Mechanic?

What is a Vehicle Service Contract?

A vehicle service contract is a paid plan that helps to cover costly car repairs and takes effect once the new vehicle warranty has expired. It is often called an extended car warranty and can be purchased for both new and used cars. The coverage levels of these contracts can vary greatly and the prices and lengths of the contracts are often negotiable. Vehicle service contracts are designed to protect consumers against costly repairs and can be sold by dealers, automakers, insurance companies, and independent firms with administrators. Additionally, there are two classes of vehicle service contracts: manufacturer service contracts and third-party service contracts. Whether a vehicle service contract is worth it depends on the company you’re buying from, how much you’re paying, what’s covered, and the condition of your vehicle.

Turnart Steering Wheel Lock

Steering Wheel Lock

Turnart Steering Wheel Lock

9.4
  • Adaptable and Secure: adjustable to fit any car with an inner diameter of the steering wheel between 6.6-12.5 inches
  • Keys Cannot be Duplicated: each lock has its own unique key, making it impossible for others who bought the same product to get into your car
  • Special Design: high-quality steel that never rusts, the felt pads that stick to the metal “U” won’t damage the steering wheel
  • Easy to Use: lock or unlock it within 5 seconds, saving you valuable time and ensuring your car’s security
  • What You Get: steering wheel lock, 3 keys, a protective cap, blue fixing Velcro, 2 inner layer pads, a worry-free 12-month warranty, and friendly customer service

TOTOMO GPS Tracking Anti-Theft Sticker (8 Pack)

Anti-Theft Stickers

TOTOMO GPS Tracking Anti-Theft Sticker (8 Pack)

9.2
  • Multipack: set of 8 stickers, 4 front adhesive and 4 back adhesive
  • Noticeable as Deterrents: bold and eye-catching design deters theft
  • Weather-Resistant: made from durable and weather-resistant materials
  • Self-Adhesive: easy installation without special tools
  • Security: prominently displays “GPS Tracking” for added security
  • Cost-Efficient: affordable and effective way to protect your vehicle from theft

Tevlaphee Universal Steering Wheel Brake Lock

Steering Wheel Lock

Tevlaphee Universal Steering Wheel Brake Lock

8.8
  • High Quality: anti-theft device made of high-quality aluminum alloy and steel
  • Special Design: double lock cylinder increases strength and provides a lower aperture ratio
  • Universal and Adjustable: three-section telescopic hydraulic brake lock can be compressed according to the height of the steering wheel brake/pedal/clutch
  • Easy to Use: can easily lock car’s steering wheel and clutch with the key
  • Superior Customer Service: each car lock set includes 1 lock unit, 3 keys, and 2 adhesive tapes

GPS Tracking Anti-Theft Stickers (2 Pack)

Anti-Theft Stickers

GPS Tracking Anti-Theft Stickers (2 Pack)

8.8
  • Stop Lazy Criminals: GPS tracker stickers make your valuables less appealing to thieves, providing peace of mind.
  • Small But Noticeable: These 2″ x 4″ tracker decals are unintrusive but still noticeable as an effective deterrent to theft.
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Tevlaphee Steering Seat Belt Wheel Lock

Steering Wheel Lock

Tevlaphee Steering Seat Belt Wheel Lock

8.6
  • Keep Your Vehicle Safe: steering wheel lock secures your steering wheel, making it difficult for thieves to turn the steering wheel and use the seat belt
  • Strong Braided Steel & PVC Coating: made of high-strength braided steel wire that is 5mm thicker than others, providing greater strength and flexibility
  • Universal Use in Most Vehicles: steel cable of the car steering wheel lock is long enough to adjust and lock the steering wheel and car seat tightly
  • Easy to Get Car Security: designed with a steering wheel and seat belt connection that can be installed in seconds
  • Get Your Money’s Worth: car security anti-theft products come with a one-year warranty

What are the Benefits of Having a Vehicle Service Contract?

1. Additional Warranty Coverage

A vehicle service contract is an optional, additional warranty coverage for your car that can be purchased at any time. It provides coverage for mechanical breakdowns and repairs that are excluded from the manufacturer’s original warranty, such as wear and tear, damage caused by a noncovered part, and vehicle diagnostics. It also offers additional services, such as regular maintenance and roadside assistance. A vehicle service contract typically costs less than the cost of potential repairs and will help to keep you on the road longer. To ensure your vehicle service contract is valid, you must follow the terms outlined in your contract and owner’s manual.

2. Coverage for Major and Minor Repairs

A vehicle service contract (VSC) typically covers mechanical repairs that occur post-warranty, such as transmissions, air conditioners, and engines, but not parts that typically wear out due to regular use, such as tires, wipers, and brakes. Some VSCs may also cover regular scheduled maintenance like oil changes and system inspections. It is important to read the details of the contract in order to understand what is covered and to what degree. Typically, the contract will list either what is covered (stated component coverage) or what is not covered (exclusionary coverage). The contract may also require a deductible, either per occurrence, repair, or visit. Additionally, it is important to know what the routine maintenance responsibilities are in order to be eligible for coverage. All repair agreements contain many provisions, and it is important to understand them in order to get the most out of the contract.

3. Convenience of having all Repairs Covered

What kind of repairs are covered by a vehicle service contract? A vehicle service contract typically covers mechanical repairs that occur post-warranty, such as transmissions, air conditioners, and engines. It may not cover repairs due to wear and tear, such as tires, wipers, and brakes. It may also exclude repairs for noncovered parts that damage covered parts. Additionally, it may include loaner vehicles for certain repairs, depending on the time frame specified in the agreement.

4. Ability to Work with Preferred Mechanics

Having a vehicle service contract can be extremely helpful when it comes to choosing preferred mechanics. On the one hand, there are the benefits of having a reduced cost for repairs and the paperwork done right at the dealership. Additionally, having a service contract can make it more affordable to keep your vehicle running for longer. On the other hand, not all repairs may be covered and extended warranties can be expensive. Furthermore, depending on the warranty policy from your automaker or third-party provider, you may not be able to use your mechanic for warranty repairs. Therefore, it is important to read the fine print of your policy to ensure you are not putting yourself in a position to lose coverage. It is also critical to ensure that the mechanic is certified and ASE certified for third-party providers if you wish to submit a claim. All in all, having a vehicle service contract can help you make an informed decision on who to use for your repairs.

5. Potential Savings on Repairs

Having a vehicle service contract can help to save money on repairs by covering unexpected repair costs and reducing repair costs overall. This can make it more affordable to own and maintain a car for a longer period of time, as labor costs alone can be over $100 an hour. In addition, a vehicle service contract can provide peace of mind, knowing that many of your repair costs are covered and that you won’t have to incur extra costs due to any unexpected repairs.

6. Added Peace of Mind

Having a vehicle service contract adds peace of mind in several ways. First, it is usually transferable, so it can add value to your vehicle and make the sale go more quickly. Plus, purchasing a vehicle service contract from a reputable provider won’t subject you to additional mailings and telemarketing from unsolicited sources. Furthermore, vehicle service contracts can be tailored to your needs and help reduce repair costs. Plus, paperwork can be done right at the dealership, making it more affordable to keep your vehicle longer. However, it’s important to note that not all repairs are covered, and extended warranties can be costly, so you may end up paying for warranty coverage you never use or not be able to use your mechanic for warranty repairs. Therefore, it’s important to consider your needs, the age and mileage of your car, and your budget before deciding if a vehicle service contract is right for you.

7. Ability to Cover Major Engine, Transmission and Powertrain Components

A vehicle service contract covers a variety of major engine, transmission and powertrain components that are typically not covered by a factory warranty. These parts include things such as air conditioning, electrical, steering, braking, suspension, and fuel systems. Exclusionary coverage plans offer the most comprehensive protection and typically cover everything except the parts specifically listed as exclusions. Additionally, powertrain warranties are often included in these contracts, which cover the mechanical parts that move the car and usually last longer than the bumper-to-bumper warranty. On the other hand, hybrid component and electric vehicle (EV) component warranties cover repairs to the battery, electric motor, and other unique components found in an electric or hybrid car.

8. Increased Coverage for Preventative Maintenance

Having a vehicle service contract can help with preventive maintenance in a number of ways. Firstly, it offers reduced repair costs, meaning that regular maintenance can be more affordable and easier to keep up with. Secondly, paperwork can be done right at the dealership, which can save you time and make the process more convenient. Thirdly, it makes it more affordable to keep your vehicle longer and reduces the chance of an unexpected breakdown. Finally, most contracts explicitly state which items the contract holder is responsible for maintaining regularly, so you don’t have to worry about missing any essential maintenance tasks. All of these features make having a vehicle service contract a great way to ensure that your car is kept in good condition.

9. Added Coverage for Theft, Vandalism and Roadside Assistance

A vehicle service contract can provide coverage for a variety of items, including mechanical breakdowns, wear and tear, noncovered parts that damage a covered part, vehicle diagnostics, and theft, vandalism, and accident damage. Additionally, a service contract may also provide benefits such as 24/7 roadside assistance, trip interruption coverage, rental car reimbursements, tire replacements or repairs, collision discounts, and more. It is important to note that warranties do not cover damage caused by external factors, such as accidents, theft, or weather.

10. Ability to Choose a Plan that Works Best for Your Needs

Having a vehicle service contract can help you choose a plan that works best for your needs by allowing you to explore coverage plans and compare different contracts. You can determine what you need and what you’re willing to pay, and then find a contract that fits those specific requirements. It’s important to understand the details of your coverage and to research the company providing the contract through the Better Business Bureau. Many vehicle service contract sellers are able to provide a sample contract so you can get an idea of the coverage and terms prior to purchase. Additionally, some contracts allow for more flexibility with car repairs and have a larger network of service providers than those offered by car manufacturers. It’s best to get quotes from multiple providers to make sure you’re getting the best coverage at the best price.

What are the Questions You Should Ask Before Buying a Vehicle Service Contract?

What is a Vehicle Service Contract (VSC)?

A Vehicle Service Contract (VSC) is an added protection that you can purchase for your vehicle that covers it beyond the manufacturer warranty (for a specified period of time or amount of miles). It is like health insurance for your car, as it can prevent drivers from paying out-of-pocket for costly electrical or mechanical repair expenses. VSCs can be worked into auto financing as a small monthly amount so that drivers can transfer the financial risk of repair to another party. VSCs are typically offered by “Vehicle Service Contract Providers,” dealers, and even some manufacturers.

These contracts cover a variety of different things depending on the type and length of agreement, including what is and is not covered, wear and tear, routine maintenance, and more. Additionally, VSCs can be transferred to a new owner if you decide to sell your car. They can also be prorated and reimbursed if you decide to trade in your vehicle. Prices range from $1,500 to $2,400 depending on length and coverage, and most agreements require a deductible at the time of repair.

What does a VSC cover?

A Vehicle Service Contract (VSC) is an added protection that you can purchase for your vehicle that covers it beyond the manufacturer warranty (for a specified period of time or amount of miles). VSCs protect drivers from paying out-of-pocket for costly electrical or mechanical repair costs and can be worked into auto financing as a small monthly amount so that drivers can transfer the financial risk of repair to another party. Generally, VSCs cover the cost of labor, parts, and fluids related to mechanical repairs, such as the engine, transmission, brakes, and electrical components. They also often cover rental car costs while the car is being repaired. It is important to take the time to read the exact terms of your VSC, as some parts and services may be excluded.

Can I still work with my local mechanic if I have a VSC?

Yes, you can still work with your local mechanic if you have a VSC. You can take your vehicle to any accredited repair shop that is willing to work with your VSC. When you need to get authorization for repairs, you will be able to contact the obligor (the company that issued the VSC) or their claim administrators. Once authorization is given, you can have the repairs done at your local mechanic. However, you should be aware that some VSCs may include rental car benefits. If you choose to use your local mechanic, you may not be able to take advantage of these benefits. Additionally, if you experience delays with a claim filed under the VSC or experience unreasonable delays from the obligor or administrator, you can contact the backup insurance company listed on the VSC or contact the California Department of Insurance for assistance.

What are the pros and cons of getting a VSC?

Pros of getting a Vehicle Service Contract (VSC) include the fact that it is transferrable in the event of a sale, it provides additional coverage beyond the manufacturer warranty, and that it provides financial protection in the event of costly repairs. Additionally, it can be worked into auto financing as a small monthly amount.

Cons of getting a VSC include the fact that some VSC companies went out of business without paying claims in the past. As a result, California law requires that a backup insurance company authorized by the CDI guarantee almost all VSCs. Additionally, reading the VSC before buying is time consuming and can be complicated.

What are the typical warranty coverage terms?

The typical auto warranty coverage is 3 years/36,000 miles. This means the warranty would cover needed repairs in the first 3 years you own your car or for the first 36,000 miles you drive it, whichever comes first. Many automakers may combine various levels of coverage, like providing powertrain coverage or a bumper-to-bumper warranty, among others. But at their core, they all do the same thing: keep you on the road. Factory warranties often expire after 3 years/36,000 miles or 5 years/60,000 miles, and can be extended by purchasing a third-party extended warranty which generally offers better value, including additional services like regular maintenance and roadside assistance for a similar amount. As a car owner, though, you must follow the terms in the warranty contract and owner’s manual to avoid invalidating it.

What are the exclusions to the warranty coverage?

What are the exclusions to the warranty coverage? Common repairs for parts like brakes and clutches, “normal wear and tear”, towing or related rental car expenses, adjustments, alignments, or tune-ups, failure to follow manufacturer’s maintenance recommendations, problems caused by non-covered parts that damage covered parts, exclusions for certain categories of mechanical breakdowns, and depreciation factor for parts that are covered are all excluded from the extended car warranty coverage.

Are there any mileage limitations for the warranty?

Yes, auto warranties typically have mileage limitations. Generally, the industry standard is 3 years/36,000 miles, meaning the warranty would cover needed repairs for the first 3 years you own the car or the first 36,000 miles you drive it, whichever occurs first. However, many people now drive more than 12,000 miles annually, meaning they exhaust their warranty before 3 years have passed. Additionally, some states have more stringent emissions warranties; in California, it’s 3 years/50,000 miles. If you buy a used car, the warranty may have changed and you should contact the dealership to be sure. Finally, any off-road or towing use may void the warranty.

How does the repair process work for warranty claims?

Step 1: Read the terms and conditions of your repair agreement to find out how claims are paid and what deductible, if any, may be required.

Step 2: Take your car to an ASE Certified repair shop or mechanic if you want to submit a claim on an Endurance policy.

Step 3: Follow the instructions provided in the repair agreement and report needed repairs immediately to the obligor or claim administrator.

Step 4: In the case of costly repairs, an obligor or administrator will dispatch an independent inspector to examine the car.

Step 5: Approve a “tear down” if necessary so the inspector can determine the exact problem and what might have caused it.

Step 6: If the obligor or administrator says the breakdown is covered by the repair agreement, they will provide the repair facility with a “claim authorization number.”

Step 7: Write down and keep this authorization number, along with the name of the person giving the approval, what repairs were approved, and the date and time of the approval.

Step 8: Pay for any necessary diagnostic fees.

Step 9: Carefully read through the jargon in the warranty agreement to ensure you understand what is and isn’t covered.

How does the warranty claim process work with a repair shop?

The warranty claim process with a repair shop involves a few steps that should be followed for a successful claim.

  1. Ensure the repair shop is ASE Certified if submitting a claim on an Endurance policy.
  2. Determine the payment structure of your agreement. In some cases, payments are made directly to the service center while others may be reimbursed for repairs made. Deductibles may also be required in some cases.
  3. Work with a trusted mechanic or repair shop to ensure any parts covered by warranty are not damaged due to the work of non-authorized individuals.
  4. Follow the instructions on your agreement for reporting and submitting a claim. This should include a toll-free phone number for reporting needed repairs.
  5. The obligor may send an independent inspector to examine the car in the case of costly repairs.
  6. After inspection, if the repair is covered by the agreement, the repair facility will be given a “claim authorization number” by the obligor in order to receive payment.
  7. If the repair is not covered by the agreement, then the contract holder will have to pay for the repair themselves.

Finally, if you have any questions or doubts regarding the terms of the agreement, contact the service provider for clarification.

How does working with a local mechanic with a vehicle service contract work?

Step 1: Become familiar with the vehicle service contract options

Step 2: Consider whether working with a local mechanic is right for you

When deciding whether to work with a local mechanic for your vehicle service contract, there are several factors to consider. Firstly, you should be aware of the restrictions of your manufacturer’s warranty or the extended warranty from your automaker. If any significant repairs are needed they may be limited to just the dealership, so it’s important to read the fine print and ensure you’re not putting yourself at risk of losing coverage.

On the other hand, if you have an extended warranty from a third-party provider, such as Endurance, you can often take your car to any certified repair shop or mechanic, including your car’s dealership. However, there may still be stipulations you need to follow. For example, sourcing your own parts and handling the repair yourself could void your coverage, so it’s best to visit a certified mechanic or dealership.

Additionally, you should consider geographic factors when making your decision. You should find out if your car will be covered if it breaks down while you’re out of town, as some auto service companies and dealers may only offer service in specific areas. You should also look into whether you need prior authorization for any repair work or towing services.

Overall, it’s important to thoroughly read the fine print before deciding to work with a local mechanic with a vehicle service contract, so that you can make sure you’re getting the right coverage and not putting yourself at risk of voiding the warranty.

Step 3: Ask questions about coverage and costs

When working with a local mechanic with a vehicle service contract, you should expect quality coverage at an affordable cost. You should look for a contract that meets your needs and gives you peace of mind. Consider the type of coverage being offered and determine if it’s an exclusionary or stated component coverage contract. Understand what is covered and what is excluded, and who the obligor is. Also, find out if the plan requires a deductible and if so, is it per occurrence, repair, or visit. Be aware of any routine maintenance requirements and make sure to keep receipts for all work performed. Compare different contracts for cost and coverage, and make sure to read the agreement thoroughly before you buy.

Step 4: Discuss the terms of your contract with your mechanic

When discussing a vehicle service contract with your mechanic, be sure to consider the following terms:

  1. The status of your current manufacturer warranty or service contract, if any.
  2. The reputation of the service contract provider, including researching them through the Better Business Bureau.
  3. The details of your coverage and any sample contracts you can review prior to purchase.
  4. Any deductibles that apply and the total cost of the contract.
  5. Any loopholes or exclusions outlined in the contract, such as amount limits, repair limitations, and exclusions for common events.
  6. Any onerous maintenance requirements and record-keeping that may be necessary to keep coverage intact.

Step 5: Get a feel for the personality of your mechanic

When you’re working with a local mechanic on a vehicle service contract, it’s important to make sure you’re comfortable with the person you’re dealing with. Here’s how you can get a feel for their personality before you commit:

  1. Ask for recommendations. Ask friends, family, and coworkers if they can recommend a mechanic that they’ve had a good experience with.
  2. Do some research. Check online reviews, ratings, and customer feedback for any local mechanics in your area.
  3. Ask questions. Once you’ve narrowed your search down, call the mechanics and ask questions about their services, pricing, and availability.
  4. Schedule a consultation. Make an appointment with the mechanic to discuss the details of your vehicle service contract. This will give you a chance to meet the mechanic in person and get a sense of their personality.

By taking the time to get to know the local mechanic you’re working with, you can rest assured that your vehicle will get the care it needs.

Step 6: Accept that you may have to make some adjustments

When working with a local mechanic with a vehicle service contract, it is important to read your policy carefully to ensure that you understand what services are covered and any coverage caps that may apply. Additionally, when selecting a mechanic, it is important to make sure that they are familiar with the specific make and model of your vehicle, as well as any protection packages or warranties you may have purchased. You should also inquire about the type of parts they use and whether or not they offer a written guarantee of their work. Finally, you should make sure to ask about any additional fees or charges that may be associated with the service contract before signing any contracts.

Step 7: Get familiar with smart driving rules

Smart driving rules are a set of practices intended to keep drivers safe on the road and to make sure cars are running at optimal performance. These rules include following the speed limit, not texting or talking on the phone while driving, obeying posted signs, maintaining a safe distance from other cars and always wearing a seatbelt. Following these rules can help drivers work more safely with a local mechanic when they have a vehicle service contract. This is because following these smart driving rules can help reduce the chances of accidents, which can result in costly repairs. It can also help them to avoid traffic tickets and other fines that can be incurred when driving recklessly. Furthermore, driving carefully can help ensure that their car is running at its best, which can help them to get the most out of their vehicle service contract.

Step 8: Prepare yourself for common questions or concerns

What are some common questions or concerns that might be asked when working with a local mechanic with a vehicle service contract? [Expanded list]:

  1. Is the mechanic authorized to carry out warranty repairs?
  2. What is the claims and roadside assistance number for my policy?
  3. What should I look for when comparing vehicle service contracts?
  4. What kind of coverage does the contract provide?
  5. What types of repairs are covered by the contract?
  6. Can I get a sample contract before making a purchase?
  7. Are there any steps I can take to make sure my coverage does not get voided?
  8. How can I keep a record of any repairs or maintenance that was done on my vehicle?
  9. What is the best way to get the most value out of my vehicle service contract?
  10. What should I do to make sure my car is ready for winter driving conditions?

Step 9: Find a mechanic who matches your style

When it comes to finding a mechanic to work on your vehicle with a service contract, it’s important to research your options. Here are the steps you need to follow when choosing a mechanic:

  1. Read the fine print of your service contract carefully. Check if it requires you to use a dealership or allows you to choose any certified repair shop or mechanic.
  2. Make sure you understand which parts are covered and which are not. If your service contract only covers engine components, you can feel free to get it done at any certified repair shop or mechanic.
  3. Research the certified repair shops or mechanics near you. Consider their reviews, location, and services offered to find the best match for your needs.
  4. Call the shop or mechanic to get an estimate and ask any questions you have about the repair.
  5. Ask for references from past customers.
  6. Once you have chosen a shop or mechanic, make sure you provide them with all the necessary information about your service contract.

By following these steps, you can find a mechanic who fits your style and price range when working with a vehicle service contract.