mechanical repair insurance for calm, covered miles

What it does for you

You want the car to feel safe, not fragile. This policy cushions big, sudden failures after the factory warranty, helping protect your budget and your time.

• Major components: engine, transmission, cooling, steering, and complex electronics.
• Safety support: roadside help and rental coverage keep you moving.
• Direct pay to shops, so bills don't balloon in your lap.

How it typically works

1. Pick a term and deductible that match your driving.
2. If a covered part fails, the shop calls for approval.
3. They pay the repair; you handle the deductible - done.

Real-world: your check-engine light blinks on along I-80; the water pump is replaced that afternoon, and you drive home feeling steady.

Gentle limitation: it won't cover routine maintenance, wear items, or pre-existing issues, and some modified vehicles may be ineligible.

Best fit if you keep cars 6+ years or rack up miles. Short leases? Maybe skip. Compare limits, waiting periods, and transferability - explore through your insurer or credit union if it fits.