In a world where anything can happen, more coverage always sounds nice. When buying a new car, customers face tons of tough choices to make. One of these crucial decisions will include your warranty coverage. In this article, we’ll help you weigh the pros and cons of buying the added coverage and explain the question: what does a bumper to bumper warranty cover? With this knowledge, you can understand the warranty options and make the best choice for your needs.
What is a Bumper to Bumper Warranty?
A bumper to bumper warranty is insurance coverage offered when you purchase a vehicle for an added price. The protection levels and prices vary, leaving customers who are about to sign the documentation for their new car with another essential decision to make. Dealers advise people to purchase extended protection, which covers any repairs after any included warranty expires (often three years after you buy).
A bumper to bumper warranty may be known as a factory warranty, which is offered on all new cars automatically. A car dealer sells this type of warranty and the manufacturer of your vehicle backs it so that you can find different options available on varying models and dealerships. Over the years, car manufacturers and salespeople realized they could offer stronger warranties for an added price. They make a high selling point.
The length of time or number of miles you have coverage varies based on the carmaker as well. Hyundai and similar manufacturers use five-year or 60,000-mile coverage as an added selling point to boost sales. However, you can expect dependable brand names to offer the shortest bumper to bumper warranties, such as Toyota or Honda. With these manufacturers, their reputation is the warranty.
Expect your bumper to bumper warranty to last for the first three years or 36,000 miles, whichever comes first. They may be included in the price of your new car. Other times, this type of warranty is offered in addition to factory and extended warranty options that last longer.
Customers then add warranty coverage for anything past what the factory warranty offers, for example, for optimal coverage or roadside assistance plans. The extended warranty covers the repairs your vehicle may require as long as they’re not parts that tend to suffer from normal wear and tear.
The following “wear parts” aren’t covered in an extended warranty anywhere, according to Auto Trader:
- Brake pads
- Windshield wipers
- Any glass
- Body panels
- Interior trim
- Routine maintenance like an oil change or tire rotation
Who Needs a Bumper to Bumper Warranty?
Deciding whether bumper to bumper warranty coverage is right for you isn’t a simple answer. Each warranty is different, and they each cover different things. You may also have other warranties already available to you based on your vehicle and where you purchased it. New cars, for example, all come with warranties. Certified, pre-owned vehicles also offer a factory warranty.
If you don’t purchase a vehicle that offers a bumper to bumper warranty, you may face expensive repairs you hadn’t expected. When buying a used car, this coverage provides peace of mind. You may want to look for a bumper to bumper warranty if:
- You buy a new or used vehicle
- You purchase an expensive luxury vehicle
- You’re an inexperienced or new driver
- You live in an accident-prone location
- You're buying a high-end car that comes with costly parts
Extended warranties kick in after the bumper to bumper warranty expires, often adding around 20,000 miles or more to your warranty. Most dealers deliver a sales pitch with prices and included coverage in person, but make sure to look at everything covered before you buy carefully. An extended warranty may be right for you if:
- The car is used and more likely to break down
- The model tends to come with expensive repairs, like automotive computer malfunctions
- You don’t want to pay out of pocket for unexpected repairs later
- Want to protect your investment to the fullest
What Does a Bumper to Bumper Warranty Cover?
If you have a new car bumper to bumper warranty, you may wonder, “what does a bumper to bumper warranty cover?” The short answer is that bumper to bumper warranties cover nearly everything between the car’s bumpers. That way, if the engine starts leaking a week after you buy the car, you can take it to the shop for repairs at no added cost to you.
The most extensive coverage plan you can buy, this warranty covers most of your needs. They’re actually called exclusionary warranties in some locations because they only exclude a few components. Bumper to bumper warranties also cover:
- All major vehicle systems
- Heating and air conditioning
- Safety features – Including airbags, seat belts, and more.
- Electrical components – Anything that moves in the car is covered, such as power windows, sunroofs, door locks, etc.
- High-tech systems – The electronics that aren’t considered add-ons, such as backup cameras or GPS, are included.
- Factory accessories – Includes stereos and even engine modifications, and these extras may come with added clauses that claim alteration to the vehicle can result in a voided warranty.
- Seat belts – Covered for use, but not for issues from normal wear and tear. You probably can’t get a replacement if they’re frayed or discolored.
- Headlights – Vital to safety, lights are covered for electrical issues but not for regular replacement bulbs or moisture build-up.
You must also make sure you perform regular maintenance to your vehicle. Otherwise, the bumper to bumper warranty can become obsolete. When signing up for coverage, you agree to take care of the car. Ignoring maintenance tasks can lead to more significant, more expensive issues, and you can’t rely on the warranty to fix the mess you could have easily avoided.
What Does The Warranty Not Cover?
While the extended warranty doesn’t cover parts like tires and brakes that tend to need regular replacement or maintenance, it also won’t cover the exterior or glass parts of your car. If it isn’t a functional piece designed for making the car move, it probably isn’t covered. Tires aren’t typically included as well, but there are other warranties you can purchase for tires separately.
Don’t expect a warranty to cover any electronics in your vehicle as well, such as DVD players or anything not explicitly made by the vehicle manufacturer. They may, however, come with a separate warranty that’s not tired of the car.
You’re also not covered for any damage caused by accident, whether the damage is interior or exterior. If your vehicle is damaged from an accident, improper care, or an act of God, you must repair the car yourself. For example, a rock hitting your windshield is an insurance claim, not a warranty claim.
Some people believe you may void your warranty by having repair work completed by someone other than a professional mechanic or use recycled or aftermarket parts. However, the Federal Trade Commission (FTC) claims this is incorrect. Dealers can’t disregard your warranty unless they can prove the pieces weren’t correctly installed or the work cause more damage.
Your warranty does, however, become void if you:
- Drive a private vehicle for commercial use
- Drive under the influence
- Don’t have a valid driving license
- Are involved in an illegal driving incident
- Make the claim after the required timeframe expires
How Does a Factory Warranty Work?
Like home warranty options and appliance protection plans, a factory warranty is there when you need it. They work relatively the same way. You tend to make a claim, and the repairs are completed at the manufacturer’s approved dealer. Because specific warranties vary, however, you need to pay attention to the proper protocol based on your vehicle’s manufacturer.
You can check out the details of a few of the most common manufacturer’s warranty and see what coverage includes:
If Bumper to Bumper Isn’t Enough
Some people want a guarantee that extends even longer. Powertrain warranties are available as well, which is an option you can use after your bumper to bumper warranty expires. This choice covers repairs on all the essential parts that make the vehicle move: the engine, suspension, and transmission. They’re sales tools designed to increase a dealership’s sales, but they also lengthen your coverage time considerably. Common powertrain warranties add 10 years of coverage.
You may also find warranties at an added price, such as:
- Roadside assistance
- Federal emissions warranty
- Rust or corrosion warranty
You can also opt to save your money and purchases added warranty beyond your bumper to bumper coverage later. Now that you know the answer to the common question, what does a bumper to bumper warranty cover, you can find the best combination of protection for you. Look at what plans are available at dealerships near you, and make sure you’re only paying for the peace of mind you need.