Warranty

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What Is a Used Car Warranty?

A used car warranty is a service contract that protects against certain mechanical breakdowns and repairs after purchasing a pre-owned vehicle. These warranties can cover the cost of parts and labor for specific components or systems that may fail due to normal use. Used car warranties often differ from new-car warranties because of the higher likelihood of a claim.

Coverage options may be less robust than those available for new vehicles, and some vehicles may be too old — or have too many miles — to qualify for coverage. Still, used car warranties offer significant benefits, including reduced out-of-pocket repair costs.

When selecting a used car warranty, it’s also crucial to understand the terms and conditions, including what is covered, the duration of the coverage, and applicable deductibles and limitations. Different warranties offer distinct levels of protection and can vary significantly in terms of coverage, duration and cost.

What Used Car Warranties Cover

Understanding what used car warranties cover can help you choose the best warranty for your vehicle and your needs. Coverage options vary significantly between warranty providers and plans, but most used car warranties cover essential vehicle components and systems. Here’s a breakdown of the common areas included in many used car warranty policies:

• Engine and transmission: Coverage often includes the internal parts of the engine and transmission, such as the pistons, crankshaft and gears.
• Drivetrain: This generally covers the drive axles, driveshaft and any related components that transfer power from the engine to the wheels.
• Electrical system: Electrical coverage includes components such as the alternator, starter motor and electrical wiring.
• Heating and air conditioning (HVAC): This coverage usually extends to the air-conditioning compressor, condenser, evaporator and heating core.
• Suspension: Your warranty may cover various parts of the suspension system, including the shocks, struts and control arms.
• Steering: The steering system includes the steering gear, power steering pump and tie rods — all components that may be covered by a used car warranty.
• Brake system: Warranty coverage may include brake components such as the master cylinder, brake calipers and lines.
• Fuel system: Coverage for your vehicle’s fuel system may include the fuel pump, injectors and fuel tank.
• Cooling system: Coverage for a vehicle’s cooling system often extends to the radiator, water pump and related components.

What’s not covered under a used car warranty?

Here’s what’s typically not covered under a used car warranty:

• Regular maintenance: Oil changes, tire rotations and other routine maintenance tasks are not covered by used car warranties.
• Wear-and-tear items: Regular wear and tear isn’t usually covered by extended warranties, including the replacement of brake pads, tires, wiper blades and clutch linings. That said, some plans include limited replacement of certain parts. 
• Cosmetic issues: Issues related to paint, upholstery, trim and other inessential cosmetic features usually aren’t covered by an extended warranty.
• Preexisting conditions: Any issues or damages that existed before the warranty was purchased are not covered. Extended warranty providers usually impose waiting periods to reduce claims resulting from preexisting conditions. 
• Damage from accidents or neglect: A used car warranty likely won’t cover repairs required due to accidents, misuse, neglect or improper maintenance.
• Modifications and aftermarket parts: Damages or failures caused by aftermarket parts or modifications not approved by the vehicle manufacturer are usually not covered by extended warranties.
• Environmental damage: An extended warranty typically won’t cover damage caused by external environmental factors such as rust, corrosion and weather conditions. However, you may be able to get this type of coverage as an add-on.