A plan for the mechanical repairs auto insurance leaves out.

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Auto insurance covers accidents. It does not cover a transmission that fails or an air conditioner that quits in the middle of summer. Endurance sells a vehicle service contract for exactly that gap: once the factory warranty runs out, the plan helps pay for major mechanical breakdowns. New customers currently get $300 off a new plan, and a quote takes about two minutes with nothing owed afterward.

Three steps to a covered car

1. Ask for a quote Tell Endurance a few things about your vehicle. Expect the form to take about two minutes, with no commitment attached.
2. Choose your coverage Select the coverage level and contract term that fit your car and your budget. The $300 discount applies to new plans.
3. Drive with a plan behind you If a covered component fails, take the car to any ASE-certified mechanic or to your dealership. The plan helps pay the repair bill.

The price of one failed part

*On an active plan, for covered repairs; a deductible may apply. The average repair cost figures are Endurance's own. Repair bills differ from one vehicle to the next, and what is covered differs from one plan to the next.

The case for Endurance

Endurance has been in the vehicle protection business since 2006. Its plans are meant to be adjusted, not sold as a single package: coverage can be matched to the car you drive, high-mileage vehicles are welcome, and cars up to 20 years old are accepted. On eligible plans, everyday driver benefits come free for the first year, alongside 24/7 roadside assistance.

Two things stand out once a part fails. The repair shop is your call: any ASE-certified mechanic can do the work, and so can your dealership, as long as Endurance pre-authorizes the job; a deductible may apply. There is also a way out: under the 30-day money-back guarantee you can read the full contract after purchase and cancel inside that window if the contract is not what you wanted. Endurance's own average repair figures reach into the thousands, and that is the argument for buying a plan before a breakdown, not after.

A good match, and a poor one

What to know ahead of a quote request

Endurance, answered

Advertisement. InstaPayDirect acts as a marketing affiliate. We are not Endurance and not an insurer or repair provider; a quote request may bring us compensation. What Endurance sells is a vehicle service contract, also called a vehicle protection plan; it is not a manufacturer warranty and not auto insurance. Elite Benefits are complimentary for the first year and require an active vehicle service contract. Unavailable in CA and MA. Coverage, deductibles, and claims payment all depend on the vehicle's age, its mileage, any pre-existing conditions, and the plan purchased. Parts used may be OEM and/or of like kind and quality. Repairs require pre-authorization. Availability differs by state, and price discounts are not offered in CA and FL. Within California, the product sold by Endurance is Mechanical Breakdown Insurance (MBI). Deductibles may apply. By requesting a quote, you consent to contact from Endurance and its marketing partners at the phone number and email you provide, including through automated technology, and your consent is not a condition of buying. Message and data rates could apply. Individual results vary.