One of the best aspects of buying a new vehicle is you get the manufacturer’s bumper-to-bumper warranty coverage for a set amount of time or miles, depending on the auto brand. Having this valuable coverage can help give you peace of mind. If a part breaks because of a faulty part made by the manufacturer or from a poor installation job at the factory, the warranty covers the cost of repairs or parts replacement. This coverage lasts for the stated years or mileage of your bumper-to-bumper warranty.
What Does a Bumper-to-Bumper Warranty Cover?
Sometimes called a comprehensive warranty, the bumper-to-bumper limited warranty covers thousands of essential vehicle systems with the exception of wear items. Most of these systems and auto parts are expensive to repair or replace, and the bumper-to-bumper warranty can help give you peace of mind that if something breaks as a fault of the manufacturer or improper installation of the part at the factory, your warranty covers the costs during the time or mileage period.
Depending on the vehicle brand, your bumper-to-bumper warranty lasts from three years or 36,000 miles, up to five years or 60,000 miles. When you get your bumper-to-bumper warranty, take the time to review it so you’re familiar with what it actually covers and when you’ll need to pay out-of-pocket for repairs or replacement parts.
What’s Not Covered in a Bumper-to-Bumper Warranty?
While your bumper-to-bumper warranty covers most mechanical and electronic issues, it doesn’t cover repairs or replacements of the following:
- Body panels
- Brake pads
- Paint or cosmetic repairs
- Interior trim or upholstery
- Damage from misuse, neglect, or abuse
- General maintenance or service visits
- Windshield repairs or wiper blade replacement
- Repairs needed from accidents or natural disasters
When Should I Get an Extended Bumper-to-Bumper or Other Type of Extended Warranty?
What should you do when your factory bumper-to-bumper warranty runs out? There are options for you to choose from. You can pay out-of-pocket for repairs and parts replacements, create a special fund for future repairs and services, or purchase an extended bumper-to-bumper warranty. You can get this type of warranty from the dealership or from a third party. The costs and services that come with an extended bumper-to-bumper warranty vary from each provider, so you’ll want to shop for the best coverage and cost to fit your budget and needs.
Depending on where you purchase your extended bumper-to-bumper warranty, you’ll have coverage that ranges from three years or 80,000 miles, five years or 100,000 miles, to unlimited years and miles. You’ll want to weigh out if the monthly cost for this extended warranty is worth knowing that you won’t have to pay for expensive repairs.
Is the Cost of an Extended Bumper-to-Bumper Warranty Worth the Coverage?
Depending on the type of vehicle you drive, how you drive it, and whether you have an auto repair fund in the bank, a bumper-to-bumper warranty is worth having. If you get an extended warranty with bumper-to-bumper coverage, you’ll want to speak to the dealership or financial institution where you get the warranty to understand the cost, what’s covered, how much the deductibles are, and other important details of your warranty. Providers offer coverage for major repairs and parts replacement and some offer tiered plans with convenient services including:
- 24/7 roadside assistance
- Tire repairs and replacement
- A mobile app
- Key fob replacement
- Collision repairs
- Rental car reimbursement
- Trip interruption coverage
- Gas delivery
- Courtesy towing
- Reward points
The costs for your extended bumper-to-bumper warranty depend on several factors including:
- The age, make, mileage, and model of your vehicle
- Your location
- Who the provider is
- Your existing coverage
What Other Kinds of Warranty Options Can I Get?
While you can get an extended bumper-to-bumper warranty, you also have the option to get additional coverage or a specific warranty. Some dealerships offer customized warranties, so you’ll want to speak to your auto salesperson or one of the finance team members. Additional coverage includes:
Guaranteed Auto Protection (Gap)
If you finance your vehicle, you’ll want gap insurance, and many companies require this coverage until you pay the vehicle off. Gap insurance covers the amount you still owe on your vehicle in case it gets totaled and declared a loss. Purchase gap insurance when:
- You finance your vehicle for over 60 months.
- You put less than 20% down.
- You leased the vehicle.
- You have a car that depreciates quickly.
Replacing parts and making repairs to your vehicle’s powertrain can be quite expensive. If you decide not to purchase an extended bumper-to-bumper warranty, consider at least having a powertrain warranty to help offset the cost of repairs. Powertrain warranties usually last for five years or 60,000 miles.
Hybrid and EV Battery Warranty
With more and more automakers offering hybrid and all-electric vehicles that depend on the battery for power, it makes sense to have a warranty that covers this essential component. Depending on the state and the manufacturer, your Hybrid and EV Battery Warranty can cover 10 years or 150,000 miles.
Prepaid Maintenance and Service Plans
Maintaining your vehicle helps extend its life and keeps it running in top-notch condition. These types of plans cover routine maintenance like tune-ups, oil changes, and tire rotations.
As much as you take care of the mechanical aspects of your vehicle, it’s often challenging to prevent rust or corrosion on the exterior, especially if you park in the sun, drive on salted streets, or live near the ocean or sea. A corrosion warranty will cover the costs of expensive repairs due to rust or salt.
While bumper-to-bumper and other warranties can help protect your vehicle, there are instances when the warranty doesn’t cover repairs and parts replacement. To have the optimum coverage for your vehicle, you’ll want the best auto insurance to cover what the warranty doesn’t. Whether you have a brand new luxury SUV or a certified pre-owned car, you want enough coverage on your policy to help prevent paying out-of-pocket for repairs. To find the best prices and policy for your needs, consult with several auto insurance brokers and discuss with them what you’re looking for to help protect your vehicle.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.