Extended Auto Warranty discount quote exclusive from Warranty Direct, SPECIAL savings for new and used car warranty

California Residents
California Mechanical Breakdown Insurance (MBI)

California residents now have an alternative to the high price of dealer sold extended warranties. Business Alliance Insurance Company, and its licensed agent, Warranty Direct Insurance Services now offer comprehensive mechanical breakdown insurance (MBI) policies. Warranty Direct Insurance Services has been providing similar coverages nationwide for over 25 years and has been selected a Forbes Magazine Top 200 Public Company three times.

The MBI plans will cover parts, labor and sales tax (where applicable) for a covered failure. The plan offers "wear-and-tear" coverage and includes seals and gaskets. Damage due to overheating is not excluded. The policy includes towing and car rental reimbursement for the FULL term of the policy .

If you're not completely satisfied within the first 60 days and of no claims have been filed, you may request a 100% refund. We offer the longest claims hours in the industry (even Saturdays) and claims are paid directly to the repair facility of your choice by corporate credit card. With over 50 people to handle your claim, you can be assured that claims are handled quickly and accurately.

Mechanical Breakdown Insurance or Vehicle Service Contracts?

The California Department of Insurance states, " When you buy a service contract, you may think you are buying an insurance policy because insurance policies are very similar to service contracts, but you are not. What is the difference? An insurance policy is offered by an insurance company, and a service contract is not. Insurance companies are required to be licensed by the California Department of Insurance (CDI) and are watched very closely. The CDI wants to make sure that the insurance company has enough money to pay any claims. The CDI does not routinely audit the financial condition of service contract companies. The CDI limits the profit on mechanical breakdown insurance to what is fair and reasonable.   

The following language is taken directly from the California Insurance Department (CDI) web site as of 6/16/04: Mechanical Breakdown Insurancee Consumers may get the most for their money with a mechanical breakdown insurance policy. Not only is the price regulated by the CDI to try to make sure it is not excessive, but the CDI also oversees the claims handling practices of the insurance company to try to make sure they are fair. In addition, the CDI reviews insurance company finances to reduce the chance that the companies will go bankrupt. Mechanical breakdown insurance policies are sold by some banks and credit unions, insurance agents, and directly by insurance companies. One way to buy mechanical breakdown insurance is over the Internet.

How it works:

You may use the repair facility of your choice (dealer, national chain, local mechanic). Claims are  paid quickly and efficiently over the phone via corporate credit card. Simply present the MBI policy to the service professional, who will contact our claims department. You simply pay your deductible (if any). There is  no paperwork, no need to lay out any money and no limit on the number of claims you may have. Coverage includes parts, labor and even sales tax, if applicable.

With California MBI, you're never buying double coverage. All the rates take into account your manufacturer's warranty and take over after it expires. Like life insurance, your MBI policy is less expensive the earlier you purchase it. As the vehicle ages and accrues mileage, the price for protection rises. Prices may also rise due to increasing labor and parts prices. You will be offered the lowest price and longest term for a new vehicle.

Why not lock into today's low prices and protect yourself from tomorrow's rising repair rates?

Vehicle mechanical breakdown insurance is a major investment. You want comprehensive coverage, consumer friendly policy language, freedom to choose your repair facility and no paperwork or billing hassles; not to mention a financially stable company with a proven track record.

Is a mechanical breakdown insurance necessary?

More than one-third of all vehicles experience a failure in a given year. The average MBI policy holder will make 4-5 claims over the life of their agreement. Should your vehicle fail after the factory warranty expires, you have nothing to protect you from repair costs that can be in the thousands of dollars. More importantly, owners will frequently put off needed repairs until they can afford the cost of the repair. This delay often results in additional damage to the vehicle, and can create unsafe driving conditions. The risk of component failure and associated repair costs increases with your vehicle's age and mileage.

Today's vehicles are extremely complex and contain many electronics, high tech sensors and computers that frequently need to be replaced due to failure. While engines and transmissions are more reliable than ever (that's not to say we don't pay for many of those repairs), it's these other parts that frequently fail. As vehicles get more and more "high tech," associated repair costs are forecast to rise dramatically.

Think of an MBI policy as a risk-management tool that ensures that repairs to your vehicle are performed when they are needed.

Extended Auto Warranty discount quote exclusive from Warranty Direct, SPECIAL savings for new and used car warranty

About AUTO LEMON - USED CAR HISTORY CHECK
More than 100,000 customers recognize AUTO LEMON - USED CAR HISTORY CHECK as the car buying information source provider to help inform consumers to save money and drive repeat business from loyal customers. With over 10,000 unique visitors everyday and over 5 million pages, AUTO LEMON - USED CAR HISTORY CHECK is the top 10 most visited automotive sites on the internet. Partnered with leading car companies, over 1 million network web sites, marketing media and search engines across the nation, AUTO LEMON - USED CAR HISTORY CHECK helps car companies promote their products and services and connect with informed, ready-to-buy consumers. AUTO LEMON - USED CAR HISTORY CHECK online advertising offers car companies many ways to capture qualified consumers - telephone, e-mail, Web site referral and walk-in. Launched in 1997. To become a AUTO LEMON - USED CAR HISTORY CHECK vendors or learn more about AUTO LEMON - USED CAR HISTORY CHECK products and services, visit www.Is-it-a-Lemon.com