When it comes time to have your car repaired, will you turn to your car’s warranty or your auto insurance policy? What’s the difference between the two? What do they each cover? Continue reading to learn whether or not a car warranty is the same as car insurance.
Car Insurance
Car insurance offers different types of protections for car owners. There are thousands of insurance carriers to choose from, some of which specialize solely in auto protection, while others maintaining a broad selection of insurance coverage models. Additionally, there are varying degrees of coverage, with policies ranging from liability only, to full, comprehensive coverage. If you wreck your car, or your car is damaged by vandalism, theft, fire, or inclement weather, your car insurance policy would be the protection plan applied when paying for repairs. New car warranties are not meant to cover repairs such as these.
New Car Warranties vs. Extended Car Warranties
Opposite of standard auto insurance policies, new car warranties are geared more toward covering things like mechanical breakdowns and auto part replacements, and they are only for a set period of time that will eventually run out. General warranty limits are between 3 and 10 years, or 36,000 miles and 100,000 miles. There are several different models for car warranties, all of which can be supplied by the car’s manufacturer, the dealer, or a third-party provider. For new cars, manufacturers generally provide a new car warranty, also called a factory warranty. For used cars, dealers will often offer a used or extended car warranty, or you can purchase one from a separate provider.
Bumper-to-Bumper and Power Train Warranties
Regardless of which warranty you have for your car, there are two primary types of coverages they provide, “bumper-to-bumper and “power train” coverage. Bumper-to-bumper coverage generally covers auto repairs for electronics like navigation, heating, and cooling. Power train coverage generally covers auto repairs for engine and transmission malfunctions.
Indianapolis Auto Repair and Maintenance at a Price You CAN Afford
Call Northeast Auto Service at 317-475-1846 for professional and affordable auto repair in Indianapolis, Indiana. We’re ASE certified car mechanics who provide a wide range of auto repairs and maintenance for both foreign and domestic vehicles, including transmission repairs, fuel system repairs, and general automotive maintenance services. We also provide several amenities, such as free written estimates, flexible drop off and pickup hours, and more.
