Repair Car Insurance

Most people know about insurance for their cars or auto insurance, but repair car insurance is not that widely known to people. Repair car insurance provides the insurance to cars which is left our by the usual car insurance policy. You can think of repair car insurance as an extended warranty on your car. Usually, the car makers give maximum of 3 to 4 years of warranty and that too within 40,000 miles. But mostly, the problems start creeping into your car only after 3 years and 40,000 miles.

Unfortunately, by that time your car warranty has been expired and car insurance policies do not cover the cost of maintenance and normal wear and tear. Your insurance policy will cover only damages done during an accident, theft or similar situations. This is where car repair insurance may come to your rescue. It will take care of your maintenance of car, normal wear and tear as well as car repair costs in case it breaks down on you. As you can see, it can be a real benefit to have this kind of policy.

There are a few types of car repair insurance available. The basic policy will cover only the normal maintenance of your car including wear and tear costs. While bumper to bumper policy will include any cost which you would incur to get your car repaired.

While taking car repair insurance, you should take care of a few things. Firstly, you need to decide what kind of coverage you want on this policy. Needless to say, more coverage will need more premium amount. Then there is deductible. You may want to keep the deductible a bit high to lower the premium amount. Also check whether the policy is transferable or not. It is a good idea to get a transferable policy which will get you a good price in case you want to sell your car.