Question About AAA’s Mechanical Breakdown Insurance
Hi everyone,
I’ve noticed that my Geico policy has become increasingly pricey, so I explored a quote from State Farm that seemed more favorable. However, I discovered that they don’t offer Mechanical Breakdown Insurance (MBI). After looking into it, I found that both AAA and Geico provide MBI options.
I’m heading to a dealership tomorrow and may finalize a car purchase. I anticipate there will be questions regarding the extended warranty.
Geico’s MBI offers coverage for 7 years/100,000 miles, and I’m curious about AAA’s coverage duration since I don’t have a membership with them and can’t find that information.
I’ve heard great things about MBI, as it typically covers a lot more than the extended warranty policies offered by car manufacturers. The policy I plan to negotiate at the dealership is for 10 years/150,000 miles, so if AAA has MBI that extends beyond that, I might decide against purchasing the dealership’s warranty.
Also, for those who are AAA members: since AAA is well-known for their roadside assistance, do you choose not to include that option in your insurance policy? (I’m curious if there are AAA members who have auto insurance with other providers.)
Thanks for your help!
Hi there!
It’s great that you’re exploring your options for mechanical breakdown insurance (MBI) as you prepare to purchase a new car. AAA’s MBI policies typically provide coverage for up to 7 years or 100,000 miles, although specific terms can vary by state and policy type, so it’s always a good idea to double-check with a AAA representative for any updates.
Regarding your decision about extended warranties, it’s important to look closely at what both the MBI and the dealership’s warranty cover to see if they align with your needs. Since you’re considering a 10 year/150,000 mile warranty, If AAA’s MBI doesn’t meet that duration, it might make sense to go with the dealership’s option.
As for roadside assistance, many AAA members appreciate the comprehensive coverage offered through their membership, which often includes services like towing, fuel delivery, tire changes, etc. This can make it convenient to opt out of similar coverage in an insurance policy. However, some members choose to stick with their AAA policy and not include roadside assistance in other insurance to avoid redundancy. Ultimately, it comes down to your personal preferences and how often you think you’ll need those services.
Good luck with your car purchase and the negotiations! Hope you find the best coverage for your needs.