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Are you worried about car repair bills?

29 January 2020

Gavin Lawson

While having basic car insurance is a legal requirement, there are often limits to what that insurance policy will cover. The basic insurance which is required for driving on the roads will do little more than protect you from any compensation claims that might arise if you injured or killed anyone while driving. This type of insurance will not pay out if you damage anyone else's car or property, and it certainly will not cover any damage caused to your own vehicle. All of those costs will need to be covered personally by you, which could leave you in a serious financial situation. Taking out third-party fire and theft insurance could go some way towards mitigating these costs, but even if you purchase a policy that includes collision insurance, that will not help with the costs of repairs to your car if components simply wear out over time. With most types of insurance, auto repairs are a matter for you, not your insurance company, but there is a better way to plan for repairs.

How to get the best protection

Vehicle repair costs are one of the biggest unknowns for car owners. When you first purchase a car, the cost of repairs will normally be covered by the warranty, but eventually, that will run out and leave you exposed to potentially large bills as parts start to become expired. The most effective solution to this expensive problem is to purchase auto repair insurance to turn uncertain and potentially unlimited costs into one manageable, fixed payment. With car repair insurance, auto repairs are no longer an unknown financial burden. You no longer have to live in fear that your fuel pump will fail or your carburetor will stop working. You are able to know exactly what you will be paying for repairs each month and you can budget accordingly.

Which type of car repair insurance do you need?

Depending on your needs you could opt for 'bumper-to-bumper' car repair insurance, which would cover the repair costs for almost any part of your car, or you could decide to pay a lower cost for a car repair insurance which is targeted towards specific parts, such as your transmission, which would be expensive to replace. If you decide to get insurance, auto repairs no longer need to be a serious worry. You can know that you have the best level of cover for your car.

If you have questions about insurance, auto repairs, or anything else to do with your car, contact an auto shop.

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