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Extended service contracts for automobiles produce big profits for the dealers that sell them and the extended service contract companies that back them. On a contract for which you pay $1,000, the average payout for claims might be less than $250, with the rest going to administrative costs and profit. Many new cars are very reliable, so there are few service claims. Also, many cars now carry long manufacturer warranties, so many service problems are covered by the warranty, leaving little to be covered by the extended service contract.
But millions of new car buyers each year buy these contracts. What you get, the salesperson will argue, is “peace of mind.”
If you decide you want to buy a service contract, this article will probably save you at least $150. But first you must ecide whether one of these contracts makes sense for you. You don’t have to rush your decision. Most service contract companies allow you to sign up long after you have purchased your new car. With most, you can delay the decision for at least the lesser of one year or 12,000 miles, and in many cases you can wait until just before your new car warranty expires.
Our general view on service contracts, which are simply insurance against repair bills, is the same as our view on other types of insurance. Don’t insure unless a possible loss—a large repair bill—would be very disruptive to your life. Why pay administrative costs and profits to an insurance company if you could simply “self-insure” and pay any unexpected bills out of your own pocket? Your car has needed a surprisingly large number of repairs during the early months of your ownership.You plan to keep the car at least six or seven years—through the duration of the contract. With most contracts, if you sell or trade your car to a dealer, you get only a pro rata refund for the period remaining on the contract. For example, if you have a six-year contract and sell the car to a dealer after three years, you get only half the contract price back. But most of the actual value of a contract is in later years—after the new car warranty has expired and when the car is older and more likely to need repairs.
You’ll find substantial variations in what contracts cover. Almost all contracts exclude from coverage maintenance and wear items, ranging from brake parts to exhaust system components to air filters. And many contracts exclude—or fail to include—many additional items, including electrical devices like power windows and radios, interior trim, gauges, and even air-conditioning systems. Some contracts cover only a specified list of items and you’ll probably have a hard time judging whether important items are left off the list. You’re better off with a contract that covers everything except a specified list of items..
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