If you have a radio I’m sure you’ve heard the radio commercials for Auto Assure. They go something like this, “Why pay for costly repairs when you can let Auto Assure pay them for you, use any mechanic you like and keep your hard earned money?”
Sounds great, doesn’t it? The commercials don’t really make clear what the company does exactly so I’m here to tell you my thoughts on the company and what they do.
What is Auto Assure?
Auto Assure is essentially the combination of an extended warranty and an insurance policy. They have different plans you can choose from that cover different parts of the car and different repairs. When you select a plan, they take into account the age and condition of your vehicle and give you a premium that you would pay to insure your car against those repairs.
Auto Assure pays mechanics directly which allows you to use any mechanic you like. From looking at the sample contracts provided on Auto Assure’s website though it looks like you have to get claims authorized before a mechanic can do the work if Auto Assure is to pay for the repair. You are also required to properly maintain your vehicle and provide maintenance records to be eligible for Auto Assure authorized repairs.
To receive a free quote from Auto Assure you must sign up on their website and have an agent call you to discuss the options. I signed up but haven’t received a call yet and will update this post when I have an accurate price quote example.
Is Auto Assure a scam?
Well, not exactly. It’s as much of a scam as car insurance or home owners insurance is. You are paying to insure against possible risk. If that risk never comes, you’re wasting your money. If what you are insured against does happen you won’t be responsible for the costly repairs because your insurance payout will cover them.
Just like any insurance company, getting them to pay may be a problem but currently Auto Assure is registered with the BBB and has zero complaints.
Is Auto Assure for you?
Auto Assure will only cover vehicles that are past their factory warranty period but have under 150,000 miles. When a car will need a major repair depends on the car and how well it has been taken care of but typically after 100,000 miles things start to break. Based an that, Auto Assure could potentially save you money and judging by their track record I’d say they are a safe company to work with if auto repair insurance is something you are interested in.
In my personal opinion though, I have a hard enough time just paying auto insurance. I’d much rather spend money taking good care of my car and then save and budget for major expenses that may come up. That way I can control exactly where my money is and if I do have a major repair to cover, the money will be there. If those major repairs never come, that money is there for other things.
Have you used Auto Assure?
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