When it comes to owning a car, there are many things to consider including car warranty and car insurance. However, many people often confuse the two or are unsure of what each one covers. In today’s blog post, we will be discussing what the difference is between car insurance and car warranties, and how they help protect your vehicle.
What Is Car Insurance?
Car insurance is a legal requirement in most states. This is a type of insurance designed to protect you and your car in the event of an accident or theft.
Car insurance can cover damages to your vehicle, as well as any damages you may cause to other vehicles or property.
Different types of car insurance coverages are available, such as comprehensive and liability coverage.
- Comprehensive coverage covers you in the event of non-accident related events such as theft, fire, or vandalism.
- Liability coverage is designed to protect you if you cause damage to other vehicles or property in an accident.
Some car insurance companies may also offer additional coverage options such as roadside assistance or rental car coverage.
What Is a Car Warranty?
A car warranty is designed to cover the costs of repairs that may occur due to manufacturer defects or workmanship.
Car warranties typically last for a certain amount of time, such as 3 years or 36,000 miles, and cover different parts of the vehicle.
Some car warranties cover basic repairs, while others may cover more extensive work such as engine or transmission issues. Some car manufacturers may also offer extended warranties, which can help protect your car beyond the initial coverage period.
The Difference Between Car Insurance and Warranty
The main difference between car insurance and car warranties is what they cover.
Car insurance is designed to protect you and your car in the event of an accident or theft, while a car warranty is designed to cover the costs of repairs due to manufacturer defects or workmanship.
Car insurance is typically required by law, while car warranties are optional. It is important to note that car warranties do not cover damage caused by accidents.
Why You Need Both Car Insurance and Warranty
While car insurance and car warranties cover different things, both are important to have.
Car insurance is necessary to protect yourself and others while on the road, while a car warranty can help protect your car from unexpected repair costs.
Having both means you are fully protected in case of an accident or if a repair is necessary.
RF1 Insurance Services: Auto Insurance in Southern California
Looking for auto insurance you can rely on? At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.