1. Roadside Assistance:
* What it covers: This is the most basic type of breakdown coverage. It usually includes services like:
* Towing: To a nearby garage or your home
* Jump starts: If your battery dies
* Flat tire changes: Including providing a spare tire if you don't have one
* Fuel delivery: If you run out of gas
* Lockout service: If you lock your keys in your car
* Where you get it:
* Auto insurance: Many auto insurance policies offer roadside assistance as an add-on option.
* Credit card companies: Some credit cards offer roadside assistance as a perk.
* AAA (American Automobile Association): AAA memberships provide comprehensive roadside assistance, as well as other benefits like travel planning and discounts.
* Other organizations: Some car clubs or manufacturers offer roadside assistance programs.
2. Extended Warranties:
* What it covers: These warranties extend the original manufacturer's warranty and cover major repairs on your vehicle. They often include coverage for:
* Engine, transmission, and other major components
* Electrical systems
* Air conditioning and heating
* Where you get it:
* Dealership: When you buy a new or used car, the dealership may offer an extended warranty.
* Third-party companies: Many companies specialize in selling extended warranties.
3. Car Service Contracts:
* What it covers: These contracts are similar to extended warranties, but they are usually purchased after the factory warranty expires. They can provide coverage for a variety of repairs, including:
* Engine, transmission, and other major components
* Electrical systems
* Air conditioning and heating
* Suspension and brakes
* Where you get it:
* Third-party companies: Many companies specialize in selling car service contracts.
4. Vehicle Protection Plans:
* What it covers: These plans are designed to cover repairs to specific vehicle components. They can provide coverage for:
* Tires
* Brakes
* Suspension
* Air conditioning and heating
* Where you get it:
* Dealership: When you buy a new or used car, the dealership may offer a vehicle protection plan.
* Third-party companies: Many companies specialize in selling vehicle protection plans.
Choosing the Right Coverage:
The best type of coverage for you will depend on your individual needs and budget. Consider:
* Your vehicle's age and mileage: Older vehicles are more likely to require repairs.
* Your driving habits: If you drive a lot or in harsh conditions, you may want more comprehensive coverage.
* Your budget: Roadside assistance is generally the most affordable option.
* The terms and conditions of the coverage: Read the fine print carefully before you purchase any coverage.
It's a good idea to compare prices and coverage options from several providers before you make a decision.
