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Two kinds of auto warranties will cover your car for repairs: factory and extended warranties.
A factory warranty is a comprehensive warranty that will cover your car from one bumper to the next. It is designed to cover you for repairs related to defective components or workmanship. Although the duration will vary from one car manufacturer to another, the average is about 3 years or 36,000 miles, whichever comes first. This type of warranty is issued by the dealership where you bought your car.
An extended warranty can be a mirror of the factory warranty, an enhanced version, or a slightly less comprehensive version. If it is a comprehensive extended warranty, it will mirror the factory warranty. If it is a comprehensive version with lots of supplemental and additional clauses and coverage, it will be better than the factory warranty. And if it is a component or powertrain service contract, it will not be as inclusive as the factory warranty. This type of can be issued either by the dealership where you bought your car or by an independent aftermarket car warranty company.
You can buy an extended warranty while you're still protected by the factory warranty. The extended warranty will not overlap with the original warranty, but instead it will go into effect once the factory warranty expires. Buying your car When, the Finance & Insurance department Representative will ask you the if you want to buy an extended warranty color : as well.
There are two distinct advantages to getting the extended warranty while the factory warranty is still in effect. One, you will not have to have the car inspected to get approved for the extended warranty. Two, the extended warranty will go into effect as soon as the manufacturer's warranty has expired, so there will be no down time when your car is not protected.
If you do not get an extended auto warranty while your factory warranty is still in effect, you can still get one, but there will be some delays. The delay could be because your car first needs to be checked for existing pre-conditions, and if some are found, these will have to be fixed before you can get approved for an extended auto warranty. Sometimes the delay could be because you have to wait for a certain calendar date or a certain number of miles before you are considered eligible for an extended service contract. During these delays, you will be without any protection at all, which means that if you have car problems or mechanical breakdowns on the road, you will have to pay for them yourself.
If you buy a pre-owned car, you can still get an auto-warranty. Like your factory warranty, it will be a comprehensive warranty and will expire after a certain number of years or miles have been passed.
Since the car warranty company wants to make sure that you take your car to a facility where the mechanics are highly skilled at repairs, you will only be allowed to fix your car at an authorized repair center. An extended warranty from a dealership may only list the dealer's repair facility, or only those facilities recommended for your brand of car.
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Source: http://ezinearticles.com/?Auto-Warranties-and-Repairs&id=5025536
