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经销商

工厂或售后市场保修?

Did you know you can price shop factory extended warranties? If you are buying a used car, dealerships will get competitive with their quotes, so don't assume you have to buy the warranty on the spot. Check online forums and user groups, members can recommend dealerships which will sell you a factory backed extended warranty over the phone at a good price. I personally saved over $800 when purchasing a GM Extended warranty for my wife's Cadillac SRX.

AutoWarranty

扩展汽车保修提示

摘要:越来越多的人正在推迟购买一辆新车,并试图保持常用的汽车运行,直到经济时报改善。购买延长的汽车保修是保护自己免受重大维修票据的好方法,这些账单将其他票据耗尽您的钱包。阅读下面以了解如何购买延长的汽车保修并获得最优惠的价格和覆盖范围。

涉及二手车保修或更正确称为汽车服务合同时有许多选择。大多数经销商将在销售时出售汽车保修,但被警告,他们从合同中踢回来,所以你没有获得最优惠的价格。我们推荐以下有足够的在线来源为汽车保修:

After you have read the information below, consider getting a quote.

这是一个延长的保修?

An extended warranty on a vehicle is a service contract just like the type you can buy for your refrigerator or TV. It provides coverage for certain items in the vehicle after the original warranty expires for a specified time or mileage reached. It requires that the vehicle be maintained per the recommended service schedule for the vehicle with records to show that the maintenance was completed. As your vehicle’s mileage increases and approaches 100K miles, it will be more difficult to find a provider willing to offer a contract.

There are two basic types of coverage offered: wear and tear and mechanical breakdown. Wear and tear covers items that wear out faster than normal such as engine components. Mechanical breakdown covers major components that do not normally fail over the coverage period, e.g. transaxles and engines. There are many levels of coverage offered ranging from only mechanical breakdown to the most comprehensive coverage including emissions, entertainment and navigation systems.

Four major coverage levels or plans are marketed but the items included do vary between providers’ plans. Most providers offer several if not all four of these plans. These plans are listed below in increasing coverage level:

  • 主要项目:仅涵盖机械故障的主要物品,可覆盖一些磨损和撕裂物品。
  • Named Component: items covered are listed and can be touted as ‘bumper to bumper’ but usually exclude some parts.
  • Bumper to Bumper: also called exclusionary since they cover so many parts that they list only the parts that are excluded.
  • 豪华:将保险杠与娱乐和导航系统等奢侈品的覆盖范围结合在一起。

为什么你应该得到一个延长的保修

获得延长保修的最常见原因是在车辆变老时,从大型维修票据的安心和保护。然而,在过去的15年里,车辆的可靠性在过去的15年里显着改善,导致延长保修的平均买方比溢价超过300美元,而不是所涵盖的索赔(2008年4月的每份消费者报告)发现延长保修be worthwhile if you buy a less reliable vehicle based on members’ experience. These less reliable vehicles are Jeep, Pontiac, Buick, Chrysler, Dodge, Mercedes-Benz, BMW, Ford, VW, Saturn and GMC in increasing reliability rating. If you’re considering the purchase of one of these vehicles or you just want the peace of mind that you’re covered, then an extended warranty can be the way to go. Also a transferable contract can be a good selling point if you sell the car before it expires.

When you should get an Extended Warranty

大多数购车者不考虑扩展warranty until they hear the pitch for one at the dealer during the final stage of the buying process. Consumer Reports suggests that you wait to shop for an extended warranty until 6 months before your regular warranty expires. By then you will know if you want to keep the car long enough and if reliability is a concern such that you want to consider an extended warranty. Although by then the contract price may be higher, it is cheaper to forego it then than to have bought the contract at the car purchase date and not need or use it.

在哪里得到延长的保修

经销商

Most extended warranties are purchased at the dealer at the time of vehicle sale. Most new car dealers sell the manufacturer’s extended warranty plans. These are generally more expensive but you eliminate the concern that the administrator of the contract will be around when you need to file a claim. Smaller administrators of extended warranties still do go bankrupt from insufficient claim reserve funds.

有些新车经销商出售非制造商保修,因为有几个原因略低。通常,合同的委员会的佣金或整体利润对于第三方管理人而言比可能支付较低委员会的工厂计划更高。

在线/电话

理想情况下,您考虑在购买新车之前获得延长保修,您要么决定等待等待,直到定期保修接近到期,或者您要查找较低的成本保修以比较经销商的优惠。有许多在线站点提供了延长保修的免费报价。他们通常为每个计划提供基本信息。我们推荐担保直接for your online warranty needs.

选择延长保修

决定你想要的覆盖范围

首先,通过来自当地代理商的几个提供商提供的不同计划来获取一些引用。了解您获得的内容,以帮助您决定您想要的覆盖程度。

还研究了车辆的维修历史,以突出任何经常修复的系统。您可能希望这些由您选择的保修所涵盖。消费者报告在每个4月份问题的六年内通过模型发布修复频率数据以及在线。如果您不是订阅者,您可以成为在线订阅者并非常快速地访问此数据。每年都有其他汽车维修数据库,可以在书店和在线中找到。

在比较计划时,在实际时间计算其年度成本,而不是购买新车以来的总时间。不要被汽车购买时间的音高迷惑,合同是8年/ 100k英里,当时它只开始新的汽车工厂保修到期时。如果工厂保修为3年,则可能有效5年或64k英里。

有些计划表示,它们是一个更高的覆盖类型,但排除了通常包含在更高覆盖计划中的物品。因此,在做出决定之前非常仔细地比较计划非常重要。坚持在进行最终决定之前了解比较计划的合同。

为了降低成本,请考虑扣除100美元的合同。但确保它适用于每个整体索赔,而不是修复或更换的每个部分。

索赔问题

检查维修是否可以在任何ASE认证的维修设施完成,而不仅可以在购买合同的经销商处完成。确保合同管理员最好是由信用卡直接支付维修店,以避免修理车辆的延迟。

检查是否涵盖其故障是覆盖了部分,因为非覆盖部分的故障引起。一些计划在内的一些制造商合同不会涵盖这种失败。

检查“合理成本”一词的定义。如果它是模糊的,你可能会发现很难从提供者那里完全支付维修。

此外,请注意,如果完成拆除以确定故障原因和维修成本,并且未被覆盖,则负责拆卸充电以及维修费用。

Also, you won’t find normal wear items such as brake pads, rotors, belts, hoses, glass, and lenses covered by the plans with wear and tear coverage.

如果您没有您的标准保险单,请确保合同提供汽车租赁和拖曳。

签出提供商

Extended warranties can be marketed and sold by one company with the contracts administered by another company. The administrator then must either be insured by a property and casualty company or create a claims reserve fund to insure solvency. Check the rating of the insurance company covering the administrator. An A rating is desired to be confident the administrator will be around until the end of the contract. Be leery of an administrator that is not insured and has set-up a claims reserve fund as it is difficult to assess whether it is sufficient.

Get a detailed contract to review before purchasing a contract. If you cannot review the contract before buying, move on to another provider. Also be sure that there is a 100% money-back guarantee for the first 30 or 60 days of the contract if there is no claim and you change your mind and want to cancel it.

您可以在更好的商业局网站Bbbonline.org查看提供延长保修的公司,以了解是否已获得认证及其BBB体验评级,即使它们未经认可。

谈判较低的价格

Yes, you can bargain and lower the price for an extended warranty! 75% of extended warranty buyers surveyed by Consumer Reports negotiated a lower price. CR says to go with the $100 deductible and get the price to 1-2% of the car cost per year.

现在考虑自己是汽车保修专家!不要忘记得到尽可能多的报价,以确保您获得最低的价格和最佳服务。立即访问我们推荐的网站,开始追求完美的汽车保修。