Auto Protection Myths

There are many myths and misconceptions when it comes to purchasing an extended auto protection. This can make it very difficult to make an informed decision; and even cost you money or the peace of mind that you seek.  Today we’re going to clear things up for you by addressing the most common misconceptions:

MYTH – Shop for the cheapest price; All contracts are the same

FACT – This myth is easy to disprove. Imagine shopping for a used car and buying the cheapest vehicle you can find regardless of make, model, or condition.You’d never think of shopping this way would you? Cheapest does not equal “good value” as some used vehicles can be purchased for $1,000 or less, but they are “cheap” for a reason.

The same applies to your extended service contract. There are literally hundreds of types of service contracts. The only way to know if your needs are being met is to review and compare the  contracts. Thankfully, US Auto Protection helps you accomplish this without much effort.

Here is a list of what we call “Deal Breaker” language to watch for in contracts. Run, don’t walk away if you find such language in the contract you are considering:

- Parts may be used or recycled
- Gradual reduction in operating performance not covered – These contracts require you to adhere to an overly strict maintenance requirement that can triple your costs to maintain the vehicle
- Any covered part that has not failed (you should have coverage on parts that fail too). Items such as gaskets and seals can “leak” or “seep” – You do want those covered right?

MYTH – A “mechanical breakdown” warranty is the same as a “wear and tear” warranty

FACT – Many consumers fall for this myth as the language can be tricky. Wear and tear contracts offer a higher level of protection. While a mechanical breakdown contract covers you in the event of mechanical defects, or “workmanship, a wear and tear contract will offer coverage on parts that wear out over time. If your vehicle is driven frequently, this coverage can be more and more important for you to consider.

MYTH – I don’t need to buy an extended vehicle protection plan until my manufacturer’s warranty expires.

FACT – While this may sound reasonable up front, the truth is that you are not buying double coverage.Add to this the fact that the newer the vehicle, the lower your costs will be. As costs go up from year to year, purchasing an extended auto protection plan now will serve to lock in your lower rates while also providing you with peace of mind.

As you can see, there is no shortage of well intentioned “advice” out there. Unfortunately, this advice usually amounts to little more than an opinion, or someone repeating something they heard from a “friend of a friend.” Really, the only way for you to know if an extended auto protection plan is going to serve your needs, is to find out for yourself by getting a free personalized quote.(Which you can do by filling in the form to the right)

Let’s look at it this way. Have you ever went to see a movie that your friends told you was great, only to walk away disappointed? Or have you ever had the opposite happen, where someone said the movie was terrible, and you really enjoyed it? The lesson here is that there is no substitute for first hand experience – Getting all the facts.

There is zero risk to you, as a quote is just that – A no obligation, low pressure fact finding mission. We look forward to helping you get the answers as well as the peace of mind that you seek. 800-474-4716.