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Should I get a prepaid maintenance plan for my car? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive tools and financial calculators as well as publishing authentic and objective content. We also allow users to conduct research and compare data for free and help you make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site come from companies who pay us. This compensation can affect the way and where products appear on the site, such as, for example, the sequence in which they appear in the listing categories and other categories, unless prohibited by law. This applies to our mortgage, home equity and other home lending products. This compensation, however, does affect the information we provide, or the reviews you see on this site. We do not include the vast array of companies or financial offers that may be open to you. SHARE: Westend61/Getty Images

3 minutes read. Published March 13, 2023

Authored by Rebecca Betterton 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 taking out loans to buy cars. Edited by Helen Wilbers Edited by Helen Wilbers has been editing for Bankrate since the end of 2022. He is a firm believer in transparent reporting that helps readers confidently get deals and make best choices for their finances. He is a specialist in auto and small business loans. The Bankrate guarantee

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We are compensated in exchange for the promotion of sponsored goods and services, or through you clicking certain links posted on our site. Therefore, this compensation may influence the manner, place and in what order products are listed and categories, unless it is prohibited by law. This is the case for our mortgage or home equity products, as well as other home loan products. Other elements, such as our own website rules and whether or not a product is offered in your area or at your own personal credit score could also affect the manner in which products are featured on this site. Although we try to provide a wide range offers, Bankrate does not include specific information on every credit or financial product or service. Dealerships can offer prepaid car maintenance plans like extended warranties, credit insurance, as well as anti-theft tools. They’re not always an ideal bargain. The best way to decide whether a pre-paid maintenance plan is the right option is to study the expected maintenance costs and evaluate them against the price you’re given. If you plan to include the prepaid maintenance plan to your auto loan it might make more sense to keep the savings account to earn you earn, rather than paying interest. What is a prepay car maintenance plan? Prepaid car maintenance plans cover scheduled and expected maintenance. Unlike , they only cover preventative maintenance like tire rotations and . The manufacturer warranty or extended warranty may cover unexpected repairs. A prepaid maintenance plan may enter the discussion when buying an automobile that does not have scheduled car maintenance built into the retail price or when that the manufacturer no longer covers. Whatever the case, you should be sure to ask whether the plan you are offered can be used at an independent mechanic’s shop , or if it is limited to servicing in the dealer. A lot of these plans will only permit service at the dealer selling the plan which limits the options you have to future maintenance. Depending on the prepaid maintenance plan you are looking at, maintenance could be limited to specific intervals (for instance, oil changes are only covered once at intervals of 10,000 miles). Some prepaid plans only provide services once per calendar year or every six months, which means that based on how often you drive, you may need additional paid maintenance on the vehicle. Several manufacturers — including Jaguar, Toyota, BMW, Volvo, MINI and Land Rover — offer pre-paid maintenance plans. Some of these factory plans also cover wear and tear items, such as windshield wiper blades and brake pads. However, others don’t. Therefore, it’s important to do your research prior to heading to the showroom. Are these maintenance plans worth the price? Similar to many other aspects of the car-buying process, doing the math before sitting down with the dealer is key to getting the most value for money. Compare the price of the plan with the estimated cost of the scheduled or out-of-pocket costs within the time frame covered. The owner’s manual will list the maintenance you’ll need and the time you’ll require it. Contact the dealer’s service manager and ask for a breakdown of scheduled maintenance costs. You can also by considering the cost of maintenance, insurance and other expenses. If the estimated cost for regular maintenance of your new vehicle for the first thirty-three miles is $400 and you pay $800 for the plan, then a prepay maintenance plan for your car is not worth it. If you are paying $250 for the plan, you’ll save money. You could strike a balance but remember: If you include the prepaid maintenance plan as part of the loan, calculate how much you’ll have to pay in interest in addition to the flat maintenance cost to figure out the full price. The pros and cons of plan to maintain your car prepaid Do not just sign up for an prepaid maintenance program. Before you even step foot in a dealer, be aware of the expected maintenance costs for the cars you’re looking at. Keep these pros and cons in mind when you’re negotiating. The benefits of covered services are that they are set and are not changed by inflation. It is possible transfer the plan if you decide to sell your vehicle. The value of the residual on vehicles leased may increase with a prepaid maintenance plan. The cost of prepaid maintenance may be reduced in comparison to regular maintenance costs. Manufacturer-backed plans are usually covered by affiliated dealerships, regardless of the location. Cons Service intervals may not match those listed in the owner’s manual. Prepaid maintenance plans can be more expensive than the actual price of maintaining. In most instances, you need to have your car fixed at the place which you bought the vehicle from. Common wear-and-tear items are generally not covered. Some insurance plans may include coverage that’s unnecessary or is already part of an an extended warranty. The bottom line: Prepaid maintenance plans are a matter of negotiationdo not just sign up to the price provided by the finance department of the dealership. If you’re aware of the costs of regular maintenance, you can prepare ahead and eliminate the hassle of deciding when and where to transport your car. However, it’s not the best choice if you already have a trusted mechanic or body shop or don’t plan to stay in the same area that you purchased the car. And if you wrap an prepaid maintenance plan in your auto loan, you could pay more in interest than what the maintenance is worth. Be aware of your interest rate on your loan and don’t be afraid to . If you want to determine whether a prepay maintenance plan can benefit you, make the effort to study the expected cost and compare it to what the dealership provides.

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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 to navigate the ins and outs of securely borrowing money to purchase cars. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate since late 2022. He believes in transparent reporting that allows readers to confidently get deals and make most appropriate choices regarding their finances. He is a specialist in small and auto loans. Related Articles Auto Loans 5 minutes read March 03 2023 Auto 6 minutes read on Mar 02, 2023 Auto Loans 3 min read Oct 13 2022 Auto Loans 4 minutes read Aug 22 2022

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