The Difference Between Car Insurance and a Car Warranty

Car Warranty vs. Car Insurance

It’s often not initially clear to most motorists what the difference is between a car warranty and car insurance. More often than not, they are thought to be the same. However, they are significantly different forms of consumer protection and they cover different things, although there can be an overlap of coverage at times. However, they are distinctly different. We all know that auto insurance in Antioch, CA is required, but be sure you know the difference between a warranty and your insurance policy.

Parts Guarantee: Car Warranty

Anytime your car has a part that malfunctions due to no fault of your own, and no other outside force acting on it (e.g. a car accident), then it will be the warranty that covers the damage. In essence, a warranty will ensure that your car parts do what they are supposed to do for the length of time that they should. If one of them fails due to no fault of your own, you can and should get it replaced for no charge as determined by your warranty.

All new cars come with a manufacturer’s new car warranty. This can range from two to seven years, or it may be dependent on mileage. Often, there are certain exclusions that won’t be covered by the warranty, such as ‘wear and tear’ items like tires, batteries, and so on. You may have the option to purchase an extended warranty, and it’s wise to consider all options from providers to find the right coverage.

Accident Protection: Car Insurance

Some events occur to cause damage to your vehicle beyond the proper functioning of parts. Car insurance is important for making sure you are covered if your car causes damage to someone else’s property. Sometimes you cannot prevent such accidents from happening, so it’s important to ensure you have insurance that can help you pay for these expenses.

Standard car insurance covers:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage
  • Personal Injury Protection (PIP)

It’s important to have a comprehensive policy that includes the right coverages, limits, and deductible right for you and your vehicle. For the auto insurance to protect you while you’re cruising the roads, visit Jack Stone Insurance Agency, serving Brentwood, Antioch, and surrounding metropolitan areas of California.

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