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What is aftermarket coverage?

Knowing that your newly-purchased vehicle is protected by a car warranty provides a great deal of comfort for the first couple of years. But after the manufacturer’s warranty ends, can an aftermarket warranty really handle necessary repairs?

When the manufacturer’s warranty expires many drivers are left to their own devices to pay for expensive repairs. Since most mechanical breakdowns happen after three years, footing an expensive bill at the repair shop is unfortunately the case for millions of drivers.

For most Americans who say their finances is the number one source of stress in their lives, one solution is to look into buying Vehicle Repair Protection. Here we reveal what you need to know before investing in an aftermarket warranty and what common car repairs would be covered with a good plan.

What is an aftermarket warranty?

An aftermarket warranty, also called an extended car warranty or vehicle service contract, is an optional service that can help drivers cover the cost of certain unavoidable car repairs. These types of car warranties can extend or expand the repair coverage that the manufacturer initially provides (or provided) with the new car. 

A manufacturer’s warranty (also sometimes referred to as an OEM warranty), in most cases, will normally only offer bumper-to-bumper coverage for around two to three years (or around 36,000 miles).

The main distinction between the two warranties is that the manufacturer’s warranty is included with the price of the car at the time of purchase while the aftermarket warranty is not. Aftermarket warranties are car repair coverage you can get for yourself at an additional fee.

What are the 5 most common repairs that an aftermarket warranty can cover?

Car breakdowns can be very expensive and take a big toll on a person’s finances. The fact is, if a car is over three years old, there’s a good chance that mechanical or electrical breakdowns are due to happen soon

After the manufacturer’s warranty ends, here are five of the most commonly occuring issues that you’d be forced to pay out of pocket if you aren’t protected:

5 of the most commonly occuring mechanical repairs an aftermarket warranty would cover:

  1. Transmission failure
  2. Electrical issues
  3. Brakes failure
  4. Alternator replacement
  5. Air conditioning repairs
Depending on which aftermarket warranty you choose, you may have to pay a deductible. But that would only be a fraction of what any of the repair above would cost. A/C repair can cost $600 or more and transmission parts/labor may even be as much as $3,800.

What are the different types of aftermarket warranties?

There are generally three types of car warranties. Some plans list specific components that are excluded and others just list what’s specifically included. For aftermarket warranties the names used may not be the ones you see below. They may be referred to by any number of terms. So it’s important to read the fine print of any aftermarket warranty or vehicle service contract you sign up for. They won’t all be transparent and straightforward about what is covered.

Here are the basics of what each of the three types of car warranties would cover:

Bumper-to-bumper: A type of warranty that provides comprehensive coverage on all parts and systems on the car, excluding “wear items” such as windshield wipers, tires, wheels, routine maintenance, etc.

Powertrain: A type of warranty that only includes repairs or replacements on the car’s powertrain (engine, transmission, the driveshaft, differentials and axles).

Corrosion/rust: A type of warranty that will only cover premature deterioration of a vehicle’s sheet metal. This is an example of a “named component” warranty in which you’re only covered for one specific type of repair. There are various types of named component coverage available for purchase.

How much is an aftermarket warranty?

The price of an aftermarket warranty depends largely on the seller. 

An extended car warranty that’s sold at the dealership operates under an outdated system. It’s very likely going to be $3,000 or more due to big markups that get paid out as commissions to salespeople and other middlemen. Many aftermarket companies have the same tactics and you can expect to pay around the same. We recommend going with a company that publishes their prices online so you know exactly what you will pay.

On the other hand, some independent extended car warranty companies give options on several plans for different budgets as well as convenient month-to-month payment options, such as’s Vehicle Repair Protection low-cost monthly subscriptions that start at $14.99/mo. Some independent companies make it more flexible and far more affordable.

Can you buy an aftermarket warranty at any time?

Yes, it’s possible to buy an aftermarket warranty at any time, but it’s recommended that you buy when your manufacturer’s warranty is close to expiring so that you’re always protected.

However, beware if the dealership where you purchased the car claims that they can “only” let you buy an extended warranty while the car is still under the original manufacturer’s warranty. This is a trick to get you to purchase from them.

You have the power to choose when to buy, whether before or after the original warranty expires, because you can buy one from a dealership or an independent, third-party seller.

Is buying an aftermarket warranty worth it?

Continuing to protect your car from costly repairs after the manufacturer’s warranty expires is a smart move for any driver. This is especially true today as repairs become increasingly expensive due to high-tech components. Technological advances are great but the likelihood of something now costing you thousands to fix is higher.

The added benefits of helping you keep your car for longer, having peace of mind, experiencing convenience and getting extra perks at an affordable price might make it a given for you.

What are you looking for? Why you should consider getting aftermarket warranty coveragey
I want to keep my car for longer Getting all necessary repairs as they come up will ensure you’ll be able to keep driving your car for longer, even passing it on to your children.
I want peace of mind There’s something about having the extra protection that makes the car ownership experience much better. Nothing beats reassurance that someone has you covered when something goes wrong.
I want convenience Aftermarket coverage that’s 100% online is available through companies like, which give you the power to research and purchase on your own time and at your own pace. No pushy salespeople.
I want perks Some plans come with roadside assistance, car rental reimbursement and road trip protection as well as support at the car repair shop so you don’t have to ever negotiate prices or take your car to different mechanics.

Is Vehicle Repair Protection an aftermarket warranty?’s Vehicle Repair Protection is an aftermarket warranty that covers expensive car repairs on a low-cost monthly subscription. With affordable and trustworthy coverage, you’re completely in control. You get to choose the number of components covered, annual claim limits and extras.

All plans offer a uniquely convenient claims process where you choose ANY repair shop and pays the bill directly. You’ll never have to pay an expensive down payment or have to negotiate prices with the mechanic. You get to sit back and relax. That’s why it’s worry-free car care:

  • Simple and transparent coverage that’s 100% online
  • Easy sign up in less than 5 minutes
  • The best in the industry 90-day money back guarantee

Get a custom quote online instantly and see if we’re the right option for your aftermarket warranty.

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