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Do I Need Mechanical Breakdown Insurance on a New Car

When you’re buying a new car, you may be tempted to skip over the question of whether or not you need mechanical breakdown insurance. But is it really worth the risk? In this blog post, we will explore the pros and cons of having this type of insurance on your new car and help you decide if it’s something you should consider. We will also provide some tips on how to find the right policy for you. ###

What is Mechanical Breakdown Insurance?

If you’re thinking about buying a new car, one of the things you may want to consider is mechanical breakdown insurance. This policy covers your car if it gets broken down while on the road. Benefits vary based on the type of policy you buy, but typically mechanical breakdown coverage includes:

Replacement cost for essential parts, such as the engine, transmission and brakes.

A rental car allowance to cover the costs of renting a replacement vehicle while your original is in the shop.

A trip home allowance to help pay for expenses associated with getting your car back home, such as parking and cab fare.

Mechanical breakdown insurance can be a good way to protect yourself if something goes wrong with your car while you’re driving. It can also help cover some of the costs associated with having a car repaired or replaced.

Types of Coverage

If you’re thinking about buying a new car, you may be wondering if you need mechanical breakdown insurance. Here’s what you need to know.

Mechanical breakdown insurance is designed to cover unexpected costs associated with your car’s engine, transmission, or other mechanical parts. This type of coverage can help protect you if something goes wrong with your car while you’re driving.

There are different types of mechanical breakdown insurance available, so it’s important to choose the coverage that best fit your needs. Some policies cover only mechanical repairs, while others offer comprehensive coverage that includes not only repairs but also replacement costs and lost income due to delays in using your car.

Before buying a policy, it’s important to determine how much money you’re willing to risk in case of a repair or theft loss. You can also compare rates and policies online or speak with a representative from an auto insurance company.

How Mechanical Breakdown Insurance Works

When you buy a new car, it’s important to take into account the possibility of mechanical breakdown. Mechanical breakdown insurance helps cover the costs associated with repairs if your car breaks down.

Mechanical breakdown coverage usually kicks in after your car has been in the shop for four days or more. The policy will typically cover repairs up to a certain amount, such as $5,000 for a standard car. Plus, the policy may also provide reimbursement for rental cars and other expenses related to the breakdown.

It’s important to compare rates and policies before buying mechanical breakdown insurance. Different companies have different limits and exclusions, so it’s important to be aware of those when shopping around. Additionally, some policies may not cover all types of repairs, so be sure to read the details carefully.


In general, it is a good idea to have mechanical breakdown insurance on your new car. This will cover you in the event that something goes wrong with your vehicle, and you need to get it repaired or replaced. There are a few things to keep in mind when purchasing this type of coverage, though: make sure the policy covers both your car and its parts, and be sure that the deductible is low enough so that you won’t have to pay for much if anything at all. If you’re unsure whether or not you need this type of coverage or if you want to compare quotes from several different companies, our team at The InsurANCE Store can help guide you through the process.

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