why you need car care Insurance
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Spot On Coverage
Some of the car care services we help find coverage for:
Protect Your Investment:
Car Care Insurance offers comprehensive coverage extending beyond the manufacturer’s warranty, safeguarding you against unexpected repair costs in the future. With options like Vehicle Service Contracts (VSC) and Tire & Wheel Protection, you can drive with peace of mind, knowing that your investment is fully protected.
Preserve Your Vehicle’s Appearance:
Whether you own or lease your vehicle, maintaining its appearance is important for enhancing resale and trade-in value, and avoiding end-of-lease fees. Car Care Coverage options like Dentless Repair and Appearance Protection defend your vehicle against daily wear and tear, ensuring its exterior and interior beauty lasts.
Enhance Your Safety and Security:
Car Care coverages like Anti-theft, Windshield, and Key/Fob Replacement provide added security for your vehicle, safeguarding it against theft or unauthorized access. Enjoy peace of mind knowing your vehicle is well-protected and secure.
Financial Security:
Car Care coverages such as GAP and Life & Disability offer financial stability when you need it most. Whether bridging the gap between your loan balance and vehicle’s value in the event of a total loss or protecting your loved ones in case of an accident, these products ensure you’re financially prepared for unexpected circumstances.
Car Care Services:
Vehicle Service Contracts:
Protect your vehicle and your finances from unexpected repairs that could result in significant out-of-pocket expenses. VSCs, also known as extended warranties, offer coverage for the repair or replacement of specific mechanical components of your vehicle after the manufacturer’s warranty expires. These contracts typically cover both parts and labor costs for specified repairs resulting from mechanical breakdowns.
VSCs offer peace of mind by ensuring coverage for some of your vehicle’s most critical and costly parts: the engine, drive axle (front or rear), turbocharger/supercharger, and transmission, transaxle & transfer case (4×4/AWD). Additionally, optional coverages can be added to your VSC Contract to further enhance your protection.
Optional Coverages for Vehicle Service Contracts include:
- Rental car reimbursement coverage
- Trip interruption
- Towing service
- Flat tire assistance
- Emergency fuel delivery
- Battery jump service
- Key lockout assistance
Tire & Wheel Protection:
Protects against damage to tires & wheels, often caused by road hazards. Ensure that your vehicle keeps rolling smoothly as you navigate roads and avoid potholes.
Tire and Wheel Coverage Includes:
- Repairs and replacements for tires and wheels due to everyday road hazards.
- No occurrence or mileage limits.
- Coverage for towing costs associated with tire and wheel damage.
- Optional cosmetic coverage for wheels, addressing minor nicks and scrapes.
Key/Fob Replacement Coverage:
Covers the cost of replacing lost, stolen, or damaged car keys and key fobs. Did you know it could cost you up to $500 to replace certain car key fobs?
Key/Fob Replacement Coverage Includes:
- Replacement Coverage:
Pays for the cost of replacing lost, stolen, or inoperable keys/fobs, including home or other keys. - 24 -Hour Lockout Assistance:
Call the 24/7 toll-free number, and assistance will be provided to unlock your car or home. - Recovery Protection:
Receive a key tag with your member number and postage-paid return address. If someone finds your keys, they can drop them in a mailbox to return them to the secure Key Return Center. - Taxi, Loaner, Towing and Driver’s Valet Assistance:
If replacement keys can’t be made at the lockout location, transportation options such as a taxi or rental car, as well as towing services, will be provided to ensure you reach your intended destination.
Dent-Less Repair Coverage:
Professionally removes dents, restoring your car’s appearance without requiring extensive bodywork. Keep your vehicle in its best condition and maximize its value with this innovative non-abrasive dent repair process, which effectively removes minor dents and dings on painted sheet metal surfaces without harming the factory finish. By opting for Dentless Repair Coverage, you can increase your vehicle’s resale and trade-in value, and avoid end of lease fees by keeping it looking as new as the first day you drove it home.
Benefits of Dentless Repair Coverage:
- Available on both new and used vehicles.
- Coverage extends to both horizontal and vertical car panels.
- Available for car owners, including cash buyers, lessees, and those financing their vehicles.
- Low-cost product with a simple process.
- Offers superior customer service and quality repairs.
- No deductible or out-of-pocket expenses for the customer.
Appearance Protection Coverage:
Appearance Protection coverage protects interior and exterior surfaces against stains and damage, ensuring your vehicle or RV maintains its appearance for longer. Appearance Protection’s spray-on sealants offer protection against weather, hazards, UV rays, fading, and staining, resulting in superior visual quality.
Your Vehicle is Protected From:
- Cracking
- Oil-based stains.
- Loose seam stitching
- Punctures
- Odors from mold or mildew resulting from food or drink.
- Food and drink stains
- Lipstick and makeup
- Pet stains
- Inks and dyes (including clothing)
Anti-Theft Coverage:
The anti-theft products utilize advanced technology to provide comprehensive protection for your vehicle. These products serve a dual purpose: deterring theft and aiding in the recovery of your vehicle if it is stolen. The theft protection products offered include:
Theft deterrent system:
Utilizing a state-of-the-art window engraving process, this system creates a unique identifier directly on the vehicle’s exterior glass. This visible identifier acts as a deterrent to potential thieves and is resistant to tampering or removal.
Theft recovery system:
Incorporating a fluorescent marker applied to the vehicle’s body, this system provides a covert means of identification that is invisible to the naked eye but easily detectable under ultraviolet light. This marker facilitates the recognition and recovery of stolen vehicles and is resistant to tampering or removal.
Windshield Protection Coverage:
This protection assists with repairing or replacing damage to windshields caused by cracks, chips, or other hazards, using a windshield protection sealant. The sealant is designed to smooth, seal, and protect automobile safety glass from damage caused by flying rocks and road debris. Choose from various programs or customize one to fit your exact needs.
The Benefits of Windshield Protection Coverage Include:
Product Warranty: If this windshield sealant fails to perform as warranted, the damaged portion of the treated surface will be repaired or replaced.
Transferrable Warranty: You can transfer the product warranty to the next owner if you sell your car, increasing the vehicle’s resale value.
Coverage: Covers rock chips and cracks up to six inches. You can choose Windshield Protection Coverage from 1–5 years.
Life & Disability Coverage:
Provides financial assistance by coveringcar or RV loan payments in the event of illness, disability, or death of a borrower. In case of death, the coverage may also pay off the remaining loan balance.
GAP Coverage:
If your car is stolen or totaled while you’re financing or leasing it, GAP coverage covers the difference between what you owe on the vehicle and its actual cash value.
Potential Savings to Explore:
Insurance discounts can differ depending on the insurance provider you select. It is important to note that not all carriers offer the same discounts.
Flexi-Bundle™ & Save:
Flexi-Bundle™ Discount: Combine up to four insurance products and select from up to four insurance carriers.
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Please Note:
At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.