Car repair costs have increased 274% since 1995, far outpacing general inflation. With today's vehicles containing complex computer systems and sophisticated technology, repair costs continue to rise in 2025. A vehicle protection plan offers a valuable safeguard against these escalating expenses.

What is a Vehicle Protection Plan?

A vehicle protection plan extends coverage beyond the manufacturer's warranty, protecting against mechanical failures. Key differences from factory warranties include:

• Coverage for vehicles up to 20 years old with 150,000+ miles
• Freedom to use any licensed repair facility
• Customizable coverage options for modified vehicles
• More flexible service options compared to dealer-only repairs

Common Repair Costs in 2025:

• Engine: $6,861–$7,357
• Transmission: $5,193–$9,143
• Control Arm: $677–$758
• Brake Caliper: $491–$830
• Engine Control Module: $1,030–$1,102

Benefits of Protection Plans:

• Fixed cost protection against inflation
• Maintenance support (up to $3,500 in services)
• Predictable monthly payments
• 24/7 roadside assistance
• Rental car reimbursement
• Trip interruption coverage

Who Benefits Most:

• Used vehicle owners
• High-mileage drivers
• Luxury vehicle owners
• Budget-conscious consumers
• Gig/commercial drivers

Key Considerations:

• Vehicle age and mileage
• Driving patterns
• Service history
• Remaining factory warranty
• Known reliability issues
• Common repairs for your model

Protection plans convert unpredictable repair expenses into manageable payments while providing comprehensive coverage and peace of mind. When evaluating options, consider your vehicle's specific needs and choose a provider with a strong reputation for customer service and claims payment.

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