Mechanical Breakdown Coverage

If your car won’t start or you get stranded on the side of the road due to car trouble, you can appreciate mechanical breakdown coverage that many car insurance companies offer. This coverage pays to repair mechanical problems your insured car may suffer.

Mechanical breakdown coverage is especially useful for vehicles that are just past their warranties. Some of the things that are covered by mechanical breakdown coverage include:

• Problems with electrical windows
• Electrical issues
• Air conditioner or heater failure

To qualify for mechanical breakdown coverage, your car must be less than 15 months old with less than 15,000 miles on it. You can keep your mechanical breakdown coverage for up to seven years or 100,000 miles, whichever comes first. Mechanical breakdown coverage is available for both owned and leased vehicles that meet these requirements.

Buying mechanical breakdown coverage may be a better deal than purchasing an extended warranty with your car dealer, as the price tends to be lower (and you pay as part of your overall car insurance policy) and you get better coverage on mechanical issues. You also have the option to get your car repaired wherever you like.