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Do I need to purchase a prepaid maintenance plan for my car? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive financial calculators and tools that provide objective and original content. We also allow you to conduct research and compare data for free and help you make sound financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site are from companies that compensate us. This compensation can affect the way and where products appear on the site, such as the order in which they may appear within the listing categories in the event that they are not permitted by law. Our mortgage, home equity and other products for home loans. However, this compensation will affect the content we publish or the reviews that you read on this site. We do not cover the vast array of companies or financial offerings that could be accessible to you. SHARE Westend61/Getty images

3 min read Published 13 March 2023

Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the details of borrowing money to buy an automobile. Edited by Helen Wilbers Edited by Helen Wilbers is editing for Bankrate since late 2022. He believes in clear reports that help readers confidently find deals and make the best decisions for their financials. He is a specialist in auto and small business loans. The Bankrate guarantee

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We receive compensation for the promotion of sponsored goods and, services, or through you clicking certain links posted on our website. So, this compensation can influence the manner, place and in what order products appear within listing categories and categories, unless it is prohibited by law for our mortgage home equity, mortgage and other home loan products. Other factors, like our own proprietary website rules and whether or not a product is available within your region or within your personal credit score may also influence the manner in which products are featured on this site. Although we try to provide the most diverse selection of products, Bankrate does not include information about every credit or financial product or service. Dealerships offer prepaid auto maintenance plans such as extra warranties and credit insurance and anti-theft tools. They are not necessarily an ideal deal. However, the best method to determine if a prepaid maintenance plan is the right choice is to research expected maintenance costs, and then compare these with the price you’re offered. If you plan to add the prepaid maintenance plan to your auto loan It may be more sense to keep the savings account to earn you earn, rather than pay, interest. What is a prepaid car maintenance plan? The plans for car maintenance that you pay for provide scheduled and expected maintenance. Unlike , they only provide preventative maintenance like tire rotations and . The manufacturer warranty or extended warranty can be able to cover any unexpected repairs. A maintenance plan that is prepaid could be considered when you purchase new vehicles that don’t include scheduled car maintenance into the retail price , or when the manufacturer doesn’t cover. Either way, be sure to inquire whether the plan you are offered can be utilized at an independent mechanic’s shop or if it is limited to service in the dealer. A lot of these plans will only permit servicing at the dealership selling it which limits the options you have for maintenance in the future. In the case of the plan for prepaid maintenance you are looking at, maintenance could be restricted to certain intervals (for instance, oil changes are only covered once each 10,000 mile). Certain prepaid plans offer services once a calendar year or once every six months, so depending on the amount you drive, you may require additional maintenance paid for the car. Many manufacturers, such as Jaguar, Toyota, BMW, Volvo, MINI and Land Rover — offer prepaid maintenance plans. Certain of these plans also come with wear-and-tear products like windshield wiper blades and brake pads. However, others don’t. Therefore, it’s critical to research before heading to the dealership. Are prepaid maintenance plans worth the price? Similar to many other aspects of the buying process making the calculations prior to going to the dealer is key to getting the most value for money. Examine the cost of the plan with the estimated price of expenses that are scheduled or out of pocket during the covered period. The owner’s manual should detail the services you’ll require and the time you’ll require it. Contact the dealer’s service manager and ask for details of maintenance costs. Also, you can consider the cost of insurance, maintenance and other costs. If the estimate of scheduled maintenance of your new car for its first thirty-three miles is $400 and you are paying $880 for the service, then a prepay maintenance plan for your car is not worth it. If you are paying $250 for the plan you’ll can save money. You could strike a balance but remember when you add the plan for prepaid maintenance as part of your loan, calculate how much you’ll be paying in interest along with the cost of maintenance per month to figure out the full price. Pros and cons of pre-paid car maintenance plans Do not just sign up for a prepaid maintenance plan. Before you set foot in an auto dealership, you should know the expected maintenance costs for the vehicles you’re looking at. And keep the pros and cons when you make a deal. Pros Prices for covered services are locked in and not increased by inflation. It is possible to transfer the plan when you decide to sell your vehicle. The value of the residual on vehicles leased could increase when you purchase a prepaid maintenance plan. The cost of prepaid maintenance may be reduced when compared to the normal maintenance cost. Plans that are backed by the manufacturer are typically covered by affiliated dealerships, regardless of where they are located. Cons Service intervals may not be as specified in the manual of the owner. Prepaid maintenance plans may cost more than the actual expense of maintaining. In most instances, you will need to get repaired at the dealer which you bought the vehicle from. The most common wear and tear items are not covered. Some insurance plans may include coverage that’s redundant or already included with an extended warranty. The bottom line: Prepaid maintenance plans can be negotiated -do not just sign up to the price that is offered by the finance department of the dealership. If you are aware of the expense of regular maintenance you can plan ahead and avoid the hassle of making a decision about when and where you will drive your vehicle. It’s not the best choice when you already have a trusted mechanic or body shop , or don’t plan to stay in the same area that you bought the vehicle. If you incorporate a prepaid maintenance plan into your auto loan, you could pay more in interest than the maintenance plan is worth. Be mindful of your interest rate on your loan and don’t be afraid to . To determine if a prepaid maintenance plan will benefit you, you should take the time to investigate the anticipated costs and compare it to what the dealership offers.

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Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of borrowing money to buy cars. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate from late 2022. He believes in clear reporting that helps readers confidently find deals and make the most appropriate choices regarding their finances. He is a specialist in small and auto loans. Related Articles Auto Loans 5 minutes read in Mar 03 2023 Auto 6 minutes read on Mar 02, 2023 auto Loans 3 minutes read Oct 13 2022. Auto Loans 4 minutes read Aug 22 2022

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