Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Auto Repair InsuranceFinding the proper auto repair insurance company these days has been simplified by the almighty Internet. There are countless companies out there that would love to have your business. The tight competition works in your favor, as long as you invest the time it takes to compare the choices.

Rev up your engine and start comparing FREE insurance quotes here by typing in your ZIP code now!

The Internet is an excellent place for you to begin your search since it is convenient and can be done right from your home.

With all the busy cities, action-packed highways, and rural raceways in our country, it is necessary to make sure that you are covered by an auto repair insurance policy that is custom-made to fit your needs.

5 Questions to Ask When About Auto Repair Insurance

Later we will explore where to look for repair insurance, but for now let’s concentrate on what to ask an agent once you have made contact. Keep this reference list handy for when you are ready to make some calls.

  1. Auto Repair Insurance PolicyWill my vehicle repairs be done using factory parts direct from a dealer? This is important in more than one situation. Some companies will give you a discount off of your premium if you allow part store parts to be used for repairs on your vehicle. This question is also valid if you lease your vehicle. If you do lease, check the lease carefully as some require that genuine dealer parts MUST be used or you will violate the agreement. Find out if the agent will sign a guarantee that your car’s value will not come down because non-dealer parts were used.
  2. Will I have rental car coverage? You want to know many days a rental car will cover if you need one. Also, find out if the car you will receive is a comparable model to the one you drive. Finally, if the auto shop has rentals, ask if you can pick up your rental car there.
  3. Will you guarantee the repairs if I use a shop that your company suggests? Ask your potential providers if this is a written guarantee, and make sure you have a copy if needed when you go to you preferred mechanic. There might be specific terms a shop has to agree to be a part of an insurer’s provided network. If you have a favorite garage, ask if they are willing to meet those terms and become a part of the network.
  4. Who else is covered behind the wheel on my policy? You should ask this question because the answer varies from state to state. Some states require that you add the name of every person in your house on the policy whether they drive your car or not. Other states will cover anyone driving as long as you will state that they were allowed to drive your car.
  5. Will I have collision as well as comprehensive coverage? It is important to know the difference between the two. Collision coverage will pay for repairs resulting from an actual vehicle accident, regardless of who was at fault. Comprehensive coverage pays for repairs that are caused by theft, vandalism, or weather related incidents.
Auto Repair Insurance Coverage

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Discounts for the Asking

The tight competition also allows for competitive discount opportunities. If you are shopping regular car insurance or auto repair insurance, ask about discounts. Here are a few of the discounts you might run across in your searches:

  • Safe driver discounts
  • Safety features installed in your car like airbags, alarms, locator devices
  • Hybrid vehicle discount
  • Good grades
  • Memberships

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Confirm the Pay-Off Claim Amount for a Totaled Car

Many drivers end up shocked when they receive the claims check for a totaled car. You need to address the issue before signing a policy agreement. Normally you can find providers that use two basic methods of pay-off when a vehicle is deemed totaled.

There is the “actual” cash value and the “agreed” upon value. The actual value is taken from the NADA guide or Kelly Blue Book.

My Auto Repair InsuranceYour car could be worth $24,000 when you buy it, but can depreciate very quickly. An accident six or eight months down the road might only pay you $18,000 or so depending on your mileage and the condition of car at the time of the accident.

On the other hand, if you find a company that uses an agreed upon amount, you might make out better. The agreed upon method is determined on a yearly basis between you and your agent. The benefit is that your cash amount doesn’t keep dropping as the clock is ticking. The amount is fixed for the entire term of the policy.

Where to Look for Auto Repair Insurance

Insurance companies are everywhere in the world and the number grows constantly. You could waste a lot of valuable research hours calling them one at a time using a phone directory. The comparing process can be done easily online. A simple search on the computer will probably bring up millions of possibilities for you.

Your Auto Repair Insurance

The majority of companies that have websites will also have a quote query form available online. You simply plug-in some information into various fields on the form and receive a basic quote. Once you are satisfied with a basic possible policy, at that point you should get your questions ready and speak with an agent.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Advantages of Having Auto Repair Insurance

The general or basic coverage insurance policy purchased to get your car on the road does not normally cover repairs. Some people swear by having the extra repair coverage, while others consider it a waste of time. It is up to you to decide if the coverage is an advantage for you or not. If you are concerned because you drive an older car, review the tips in this blog for keeping it in shape.

You can keep premium payments lower by picking and choosing which parts of your car to cover.

You can choose to cover just the engine, or just the body, transmission, etc. Having a policy like this in place can actually keep mechanics honest. Since a mechanic shop would welcome the added business when working directly with an insurance company, the prices for repairs are already set by previous agreement between the two of them. It can eliminate that feeling of being taken advantage of by a mechanic when you are paying out of pocket.

Get Auto Repair Insurance

Most of us are not prepared financially for a sudden engine or transmission replacement. It can make more sense to pay a smaller price in segments instead of getting nailed with a lump sum surprise.

Disadvantages of Auto Repair Insurance

While picking and choosing which parts of your car to cover can be an advantage, it puts you in the position of being a fortune teller and predicting which parts will need work first. Another issue is that the waiting time for claims can sometimes be long. If your policy requires that you pay the mechanic yourself and wait for reimbursement, you could be missing that money for quite awhile.
It may be wise to consider paying for repairs yourself if you already have a trusted mechanic. Weigh the predicted cost of a potential policy against what you have paid out in repairs over time.

Do your own online comparison of quotes for FREE by entering your ZIP code now!