Vehicle service contract — explained plainly
When a covered part fails,we pay the shop.
CoverageX is a vehicle service contract that protects you from the cost of mechanical breakdowns: when a covered part fails, CoverageX pays the repair shop directly, so you pay nothing out-of-pocket on a covered repair and can use any licensed shop.
It is not auto insurance. It is straightforward protection for the breakdown you can't predict — clear terms, your choice of shop, and a price you can see for free before you decide.
- We pay the shop directly
- $0 out-of-pocket on covered repairs
- Use any licensed shop
Illustrative of how a covered repair is handled. Coverage subject to plan terms, eligibility, and the contract.
One repair shouldn't be able to decide your whole month.
It usually starts quietly. A light on the dash. A noise that wasn't there last week. Then a tow, a waiting room, and an estimate slid across the counter.
A modern engine or transmission repair can swallow a paycheck — and it never asks whether this is a good month for it. The car breaking is one problem. Not knowing how you'll pay for it is the one that keeps you up.
You can't schedule a breakdown. You can decide, in advance, who handles the bill when it comes.
The answer
CoverageX turns the bill into a phone call.
CoverageX is a vehicle service contract for mechanical breakdowns. You choose your coverage, and if a covered part fails you take your car to any licensed shop — and we pay them directly. The moment that used to mean panic becomes routine: you hand over the keys, not your savings.
Check my coverageWhat each part of the plan does for you
Not features for their own sake — what they actually mean the day your car lets you down.
Pays the repair shop directly
You don't front the bill and chase a refund. On a covered repair, the shop bills CoverageX — you approve the work and drive off.
$0 out-of-pocket on covered repairs
A covered breakdown stops being a four-figure surprise and becomes a phone call. The cost lands where you planned for it.
Use any licensed or certified shop
There is no forced network. Stay with the mechanic you trust, or use the nearest certified shop when you're far from home.
Free, no-obligation quote
You see your price before you commit to anything. Getting the number costs nothing and obligates you to nothing.
Lock in your rate
You set coverage today on your terms — not under pressure at the service counter after something has already failed.
Cancel anytime
If the plan isn't right for you, you're not stuck. Plans can be cancelled per the terms of your contract.
Value you can verify in your contract — not statistics. No numbers we can't stand behind.
See your price before you decide anything.
The quote is free and carries no obligation. About a minute, no impact to get a price.
Get my free quoteHow CoverageX works, step by step
Request your free quote
Tell us about your vehicle — year, make, model, mileage. It takes about a minute and carries no obligation.
Choose the plan that fits
Pick the coverage level that matches your car and how you drive, then lock in your rate.
Take it to any licensed shop
If a covered part fails, bring your vehicle to any licensed or certified repair shop you choose.
We pay the shop, you pay $0
The shop confirms the failure and bills CoverageX directly. On a covered repair you pay $0 out-of-pocket.
An honest comparison
No option wins on everything. Here's the straight version so you can decide what fits your situation.
| CoverageX service contract | Paying out-of-pocket | A dealer plan | |
|---|---|---|---|
| When a covered part fails | We pay the shop directly | You pay the full bill yourself | Often covered, plan terms vary |
| Out-of-pocket on a covered repair | $0 | 100% of the repair | Varies by plan and deductible |
| Choice of repair shop | Any licensed / certified shop | Any shop — you're paying | Often limited to the dealer network |
| Cost if nothing ever breaks | You still hold coverage | Nothing — you pay only if it breaks | Plan cost still applies |
| A sudden major repair | Predictable — handled by a phone call | A sudden four-figure hit | Depends on what the plan covers |
Being fair: if your car never breaks down, paying out-of-pocket costs you nothing along the way — that's the one place it wins. CoverageX is for the breakdown you can't predict and can't easily absorb.
Vehicle service contracts, answered straight
What is a vehicle service contract?
A vehicle service contract is an agreement that covers the cost of repairing or replacing covered parts when they fail mechanically. CoverageX is a vehicle service contract that pays the repair shop directly on covered repairs.
Is this insurance?
No. CoverageX is a vehicle service contract that covers mechanical breakdowns of covered parts and pays the repair shop directly. It is not auto insurance and does not cover collisions or accidents.
How does CoverageX coverage work?
You choose a coverage level and lock in your rate. If a covered part fails, you take your vehicle to any licensed shop. The shop confirms the failure and CoverageX pays them directly, so you pay $0 on the covered repair.
What happens the moment something breaks?
Take your vehicle to any licensed or certified shop. The shop diagnoses the failure, and on a covered repair CoverageX pays the shop directly. You pay $0 out-of-pocket on covered repairs.
Can I use my own mechanic?
Yes. There is no forced network. You can use any licensed or certified repair shop — the one you already trust, or the closest one when you're away from home.
What does CoverageX cost?
Your price depends on your vehicle, its mileage, and the coverage level you choose. The quote is free and carries no obligation, so you can see your number before deciding anything.
Does getting a quote affect my credit?
No. Requesting a coverage quote does not impact your credit. It is simply a price for your specific vehicle, with no obligation to buy.
What is and isn't covered?
CoverageX covers mechanical breakdowns of the parts named in your plan. Routine maintenance, wear items, and damage from accidents are not breakdown coverage. Your contract lists exactly what's covered.
Can I cancel if I change my mind?
Yes. You can cancel anytime, subject to your contract terms. Coverage, eligibility, and cancellation are all governed by the plan terms and the contract you receive.
- 🔒 Secure & encrypted
- Free, no obligation
- Cancel anytime
- Use any licensed shop
- No impact to get a price
Lock in coverage before the next warning light.
The breakdown comes on its own schedule. Set your coverage now so that when it does, the answer is simple: we pay the shop, you keep driving.
- We pay the shop directly
- $0 out-of-pocket on covered repairs
- Use any licensed shop