Extended automobile warranty coverage serves as additional protection against unexpected car repairs. If you’re worried that your car might break down before the manufacturer’s warranty expires, an extended warranty may be the best solution for you. But how do you know if you need one? There are several signs that point toward the need for an extended warranty, but not all of them apply to every vehicle make and model. Each manufacturer provides different coverage details and what works for one car may not work for another.

What is an extended automobile warranty?

An extended automobile warranty is provided by an insurance provider and covers the car’s major systems and components beyond the standard manufacturer’s warranty. This type of coverage can last anywhere from one to three years, and pays for repairs and replacements for components that are prone to break down or wear out over time. Extended warranties are often offered as a single-payment extension to the car’s manufacturer’s warranty and often cover the entire vehicle.

Signs of when you need an extended warranty

There are five main signs that indicate you need an extended automobile warranty:

  • You drive in highly adverse conditions. If you drive in severe weather or in areas with high amounts of pollution, your car may be more prone to break down. Heavy-duty extended warranties are designed for drivers who regularly travel in extreme conditions, and will cover repairs for things like faulty sensors, engine components, and exhaust systems. Before purchasing, be sure to ask your insurance provider about the extended coverage they offer for adverse conditions.

  • You frequently have to take your car in for repairs. If you need to take your car in for repairs more than three times in a 12-month period, your car may have a serious issue that needs to be addressed.

  • You drive in areas with poor road conditions. If you drive in areas with poor road conditions, your car may break down more frequently due to a higher amount of wear and tear.

  • You drive a high-mileage car. Cars that are driven frequently and for long distances are more prone to wear and tear and may break down more frequently than other vehicles.

  • Your car is 10 years old or older. If your car is 10 years old or older, the manufacturer’s warranty will likely have expired.

Check out the make of your car

The make and model of your car will determine what’s covered by your extended warranty. Not all makes offer coverage for the same parts, so it’s important to check the coverage for your specific make.

Check out the repair history report

A car repair history report will tell you if your car has been in for repairs. If it has, you may need to consider purchasing an extended warranty. If you already have a report, you can use it as evidence to show an insurance provider that you need an extended coverage.

Check your car’s maintenance schedule

Before purchasing an extended warranty, make sure you check your car’s maintenance schedule to see what needs to be serviced and when. Many manufacturers offer a maintenance schedule online, or you can contact the dealer and request a copy.

Bottom line

Extended warranties are a great way to protect yourself from unexpected expenses. However, each make and model is different, so you’ll want to take the time to do your research before purchasing.