How Liberty Automotive Protection Differs From Auto Insurance

    OCEAN, NJ, September 11, 2020 /24-7PressRelease/ -- Drivers know that cars can be expensive to maintain, and most know that there are numerous products on the market to help consumers manage those costs. Sadly, many drivers do not know how those products work, leading to confusion and paying out of pocket when it isn't necessary.

The experts at Liberty Automotive Protection want consumers to understand the differences between auto insurance and an auto warranty to help them make informed decisions. Auto insurance is designed to cover damages sustained to your vehicle in the event of a collision, damage you cause to another person's property in a car accident, and acts of God such as fire and natural disasters.

Many auto insurers also offer additional riders that provide additional coverage in exchange for a higher monthly premium. For example, underinsured motorist protection fills in the gaps if you or your vehicle are damaged due to the negligence of another driver who doesn't carry enough insurance to foot the bill.

Auto insurers generally do not cover your vehicle's engine, transmission, air conditioning system, or other mechanical parts, nor do they cover the labor that goes into such repairs. If you want to protect yourself from these costly bills, you need an auto warranty.

Most dealerships provide a new car warranty with every vehicle they sell, and it lasts anywhere from three years and 36,000 miles to 10 years and 100,000 miles. Every manufacturer provides different levels of coverage, and consumers are strongly encouraged to review their specific policies to determine what's included. The cost is built into your car payment, and many drivers forget it exists until it expires.

When it does, you could drive around without one and take your chances if your vehicle breaks down. Alternatively, you could contact your car's manufacturer or dealership and try to negotiate a new warranty, though it is likely to be considerably more expensive than your first one. However, the best option is to choose a third-party auto warranty from a company such as Liberty Automotive Protection.

Liberty offers a broad range of auto warranties that allow consumers to choose the protection they need at a price they can afford. For instance, Select Coverage is a great option for drivers with newer cars that have a lot of on-board electronics that could break down. Engine Coverage covers only your car's engine and transmission, making it a better option for older vehicles that don't have as many fancy doodads. All Liberty Automotive Protection plans are valid at licensed repair shops across the United States and Canada, so you can choose any mechanic you like.

In contrast, dealerships usually provide warranties that best fit their own needs. You have to use one of their mechanics if you want your car fixed. You have to pay a premium for their parts. Things that you might expect to be covered aren't addressed in your contract at all.

Liberty also offers several extras to increase the value of your warranty. For example, there's never a limit on the number of claims you can make over the life of your contract, so you can reach out whenever you lock yourself out of your vehicle or run out of gas on a highway. Your coverage is also transferable, increasing the resale value of your vehicle. Most importantly, Liberty's friendly customer service team is always available to address any questions you have.

Liberty is backed by Palmer Administration: an A-rated insurance company that has been in the auto warranty business for over 30 years. If you want a warranty that's there when you need it, please contact Liberty today to discuss your specific needs.

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