When it comes to maintaining your vehicle, understanding what your car insurance covers can save you from unexpected expenses. If you’ve ever wondered, “Does car insurance pay for regular repairs and upkeep?”, we’ve got you covered! In this blog post, we’ll explore the coverage provided by major auto insurance companies like Progressive, State Farm, Geico, Allstate, and Liberty Mutual, and clarify the specifics of what is and isn’t covered by typical auto insurance policies.
Understanding Auto Insurance Coverage
First, it’s important to differentiate between types of car insurance coverage. Standard auto insurance policies generally include:
- Liability Coverage: This covers damages to other people’s property and injuries to other people in accidents where you’re at fault.
- Collision Coverage: This pays for damages to your car from accidents with other vehicles or objects.
- Comprehensive Coverage: This covers damages to your car from non-collision events like theft, fire, or natural disasters.
- Personal Injury Protection (PIP): This covers medical expenses for you and your passengers after an accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This pays for your damages if you’re hit by someone with insufficient insurance.
What About Regular Repairs and Maintenance?
Regular repairs and upkeep, such as oil changes, brake replacements, tire rotations, and other routine maintenance tasks, are generally not covered by standard auto insurance policies. These expenses are considered part of the vehicle’s regular maintenance and the owner’s responsibility.
Mechanical Breakdown Insurance (MBI)
For those looking for coverage specifically for mechanical issues, some auto insurance companies offer Mechanical Breakdown Insurance (MBI). This type of insurance, sometimes referred to as “car repair insurance” or “mechanical problem insurance,” covers the cost of repairs to major vehicle systems that break down due to mechanical issues, not related to accidents.
MBI is different from an extended warranty in that it is usually offered by insurance companies and can cover a broader range of repairs. Companies like GEICO offer MBI, but it’s essential to compare this with the offerings from Progressive, State Farm, Allstate, and Liberty Mutual to find the best coverage and rates.
Getting Insurance Quotes
When searching for insurance quotes, especially for Mechanical Breakdown Insurance, it’s crucial to use an auto insurance calculator. This tool can help you understand the potential costs and benefits of adding this coverage to your policy. Look for inexpensive auto insurance options and compare rates from a list of auto insurance companies to find the best deal.
Additionally, consider the ease of buying auto insurance online, where you can quickly get car insurance quotes and adjust coverage options to fit your needs.
Conclusion
In summary, standard car insurance policies from companies like Progressive, State Farm, Geico, Allstate, and Liberty Mutual do not cover regular repairs and upkeep. However, Mechanical Breakdown Insurance is a viable option for those wanting coverage for mechanical issues not related to accidents. Always compare quotes and coverage options from various auto insurance companies to find the most affordable and comprehensive policy for your needs.
If you’re in the market for low auto insurance or need help finding the best auto insurance coverage, using tools like an auto insurance calculator and getting multiple quotes can make the process easier and more transparent. Whether you’re looking for cheap auto insurance or comprehensive coverage, understanding your options will help you make an informed decision.
