The check-engine light came on
The breakdown isn't the question.How you'll pay for it is.
CoverageX is a vehicle service contract that protects you against the cost of mechanical breakdowns: when a covered part fails, CoverageX pays the repair shop directly so you pay nothing out-of-pocket on the covered repair.
With CoverageX, that moment at the service counter changes. It stops being “how do I cover this” and becomes “they pay the shop.”
- We pay the shop directly
- $0 out-of-pocket on covered repairs
- Use any licensed shop
It's never a convenient time for a transmission to go.
It starts small. A light on the dash. A sound that wasn't there yesterday. Then you're on the shoulder waiting for a tow, watching traffic blur past in the dark.
By the time the service writer slides the estimate across the counter, the math has already started in your head. The rent. The card. The thing you were saving for. A modern engine or transmission repair can swallow a whole paycheck — and it never asks if this is a good month.
You can't stop your car from breaking. You can decide who handles the bill when it does.
The pivot
CoverageX turns the bill into a phone call.
CoverageX is a vehicle protection plan for mechanical breakdowns. Choose your coverage, and if a covered part fails, you take your car to any licensed shop — and we pay them directly. The same moment that used to mean panic becomes routine: you hand over the keys, not your savings.
Check my coverageWhat each part of the plan means for you
Not features for their own sake — what they actually do the day your car lets you down.
We pay the repair shop directly
No fronting the bill and waiting on a refund. On a covered repair, the shop bills us — you just drive away.
$0 out-of-pocket on covered repairs
A covered breakdown stops being a four-figure surprise and becomes a phone call. Your budget stays intact.
Use any licensed or certified shop
No forced network. Take it to the mechanic you already trust, or the closest one when you're stranded.
A free, no-obligation quote
See your price before you decide anything. Getting a quote costs nothing and commits you to nothing.
Lock in your rate
Set your coverage now, before the next warning light — not in a panic at the service counter.
Cancel anytime
If it isn't right for you, you're not trapped. Plans can be cancelled per the contract terms.
How CoverageX works
Get your free quote
Tell us about your vehicle. It takes about a minute and there's no obligation — just a price.
Pick the plan that fits
Choose the coverage level that matches your car and how you drive. Lock in your rate.
If a covered part fails, we pay the shop
Take it to any licensed shop. On a covered repair, CoverageX pays them directly — you pay $0.
An honest comparison
No plan wins on everything. Here's the straight version so you can decide what fits.
| CoverageX protection plan | 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 the dealer network |
| Monthly cost if nothing ever breaks | You still hold coverage | Nothing — you pay only if it breaks | Plan cost still applies |
| Surprise on a big repair | Predictable — a phone call | A sudden four-figure hit | Depends on what's covered |
Worth being fair: if your car never breaks down, paying out-of-pocket costs you nothing along the way. CoverageX is for the breakdown you can't predict — and can't easily absorb.
Questions, answered straight
Is this insurance?
No. CoverageX is a vehicle service contract that covers mechanical breakdowns of covered parts. When a covered part fails, it pays the repair shop directly. It is not auto insurance.
What happens the moment something breaks?
Take your vehicle to any licensed or certified shop. The shop confirms the failure, and on a covered repair CoverageX pays them 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 stranded.
What does it cost?
Your price depends on your vehicle, mileage, and the coverage level you choose. The quote is free and carries no obligation, so you can see your number before deciding.
Does getting a quote affect my credit?
No. Requesting a coverage quote does not impact your credit. It's simply a price for your vehicle, with no obligation to buy.
What if I change my mind?
You can cancel anytime, subject to the terms of your contract. Coverage and cancellation are governed by the plan terms, eligibility, and the contract.
- 🔒 Secure & encrypted
- Free, no obligation
- Cancel anytime
- Use any licensed shop
- No impact to get a price
Set it up before the next warning light.
The breakdown will come on its own schedule. Lock in 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