Members of R.I.A Federal Credit Union can save on mechanical repair coverage at an exclusive member rate.Learn More
View your monthly price and coverage details. Customize a plan to fit your needs.Guide Me
Take advantage of this exclusive member benefit from R.I.A Federal Credit Union.
Get your instant ForeverCar 1Quote™ on your terms: via phone, messenger or online.
Customize a plan to fit your coverage needs, choose your deductible and view coverage levels.
If your car breaks down, we’ll guide you through the claims process – working directly with the mechanic of your choice.
When your car is repaired, simply pay your deductible and drive on.
Mechanical repair coverage is different from an extended auto warranty.
It's not a manufacturer’s warranty, and it's not auto insurance.
Here’s a helpful breakdown of the different types of vehicle protection...
A manufacturer's warranty (commonly known as a "bumper-to-bumper" warranty) is legally required for all new cars sold in the United States. These warranties typically cover all key components of the vehicle, including accessory and electronic systems. Most manufacturer’s warranties provide coverage for the first three to five years or up to 60,000 miles.
Auto insurance ranges from liability-only to collision to comprehensive. While these products offer protection from bodily injury, property damage and medical payments, they fail to protect you from the hassles of mechanical breakdowns. Mechanical repair coverage can help to fill that gap in coverage and let you protect your whole car, both inside and out.
Mechanical Repair Coverage
Mechanical repair coverage provides protection beyond manufacturer or powertrain warranties. In addition to comprehensive parts and labor coverage, these plans may include benefits like roadside assistance, car rental, travel reimbursement and towing. Instead of footing the entire bill for an unexpected breakdown, mechanical repair coverage offers a range of deductibles, allowing you to determine how much you want to pay for repairs.
“Excellent plans for every budget. Very helpful and answered all my questions!”
“They showed me every single part that is covered and every part that was not covered. This type of transparency made me confident in my purchase.”
“I recently had my transmission go out. They handled everything. I paid my deductible and was on the road again.”
The overall cost of vehicle ownership might be more than you think.
According to an annual report on cost of vehicle ownership from AAA, the average cost of owning and operating a vehicle is more than $8,500 a year.* The report considers factors like fuel, auto insurance, scheduled maintenance, depreciation and registration costs.
Add in additional costs associated with unexpected repairs, and you could be looking at a yearly cost of ownership of well over $10,000.*