Understanding What’s Covered by Your Auto Insurance Policy

by Sean Bryant on August 19, 2014
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Auto Insurance Policy

Consumers should be aware that auto insurance doesn’t always cover everything in a damaged vehicle. For example, policies might only pay up to a maximum amount for any mechanical and body work for a car. Windshield replacements and mirrors might not be covered by standard automobile insurance. Repairs for mechanical breakdowns are also not covered.

Smart consumers opt for car care plans in order to save money on any services and repairs that could cost thousands in the long run. For a small monthly fee, drivers can have some peace of mind on fixing their vehicles in case some major damage occurs. On a legal technicality, auto insurance companies might not even cover the cost for replacing an engine block that has been totally destroyed as a result of a collision with another car or structure.

A car care plan comes with perks and benefits for members. For example, major discounts are offered on routine service such as oil changes and tire rotations. Similarly, loyal members might receive exclusive offers on tire purchases. It’s common for car care club members to take get a free tire with the purchase of three brand new tires. Digital balancing and alignment services are also offered for free as a courtesy to loyal patrons of many car care plans.

Battery replacements might also come with huge discounts as part of vehicle car plans. Additionally, free testing and maintenance on car batteries can be offered as a perk. For instance, the terminals can be cleaned during any routine maintenance or service. The topping off of fluids also comes free for many car care club patrons. There is no need to frequently purchase windshield washing, coolant, steering and brake fluid when the local auto shop can add these essential liquids at any given time for free.

Consumers who are interested in buying a car care plan can learn more by contacting a local agency. Representatives are more than happy to answer questions by phone and send free brochures highlighting all of the benefits of a motor vehicle car club. Car care club websites provide a wealth of resources about all of the protection plans that are offered. Members might even qualify for major discounts on travel including airfare, hotels, car rental and cruise ships.

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Sean Bryant

Sean Bryant created OneSmartDollar.com in 2011 to help pass along his knowledge of finance and economics to others. After graduating from the University of Iowa with a degree in economics he worked as a construction superintendent before jumping into the world of finance. Sean has worked on the trade desk for a commodities brokerage firm, he was a project manager for an investment research company and was a CDO analyst at a big bank. That being said he brings a good understanding of the finance field to the One Smart Dollar community. When not working Sean and his wife are avid world travelers. He enjoys spending time with his two kids and dog Charlie.

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