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Do I need to purchase a prepaid maintenance plan for my vehicle? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by providing you with interactive tools and financial calculators as well as publishing authentic and objective content. We also allow users to conduct research and compare information for free and help you make informed financial decisions. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies who pay us. This compensation could affect how and when products are featured on the site, such as, for example, the sequence in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity and other home loan products. However, this compensation will have no impact on the content we publish or the reviews appear on this website. We do not include the entire universe of businesses or financial offerings that could be open to you. SHARE Westend61/Getty Images

3 minutes read. Published March 13, 2023

Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers to navigate the ins and outs of securely borrowing money to buy cars. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate since late 2022. He believes in clear reports that help readers easily find deals and make the best choices for their finances. He is a specialist in small and auto loans. The Bankrate guarantee

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There are money-related questions. Bankrate has the answers. Our experts have helped you understand your finances for more than four decades. We strive to continuously provide consumers with the expert advice and tools needed to make it through life’s financial journey. Bankrate adheres to strict standards , so you can trust that our content is truthful and accurate. Our award-winning editors and reporters produce honest and reliable content that will help you make the best financial choices. Our content produced by our editorial staff is objective, factual, and not influenced from our advertising. We’re honest about how we are capable of bringing high-quality content, competitive rates and useful tools to you , by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the promotion of sponsored goods and, services, or by you clicking on specific links on our website. This compensation could influence the manner, place and in what order products are displayed within the categories of listing in the event that they are not permitted by law for our mortgage home equity, mortgage and other products for home loans. Other elements, such as our own website rules and whether the product is available within your region or within your self-selected credit score range may also influence the way and place products are listed on this website. Although we try to provide a wide range offers, Bankrate does not include specific information on every credit or financial product or service. Dealerships can offer prepaid car maintenance plans such as extra warranties and credit insurance, and anti-theft devices. These aren’t necessarily an ideal deal. The best way to decide whether a pre-paid maintenance plan is the right choice is to study the expected maintenance costs, and then evaluate them against the price you’re offered. If you plan to include the plan for prepaid maintenance to your auto loan It may be more sense to keep an account in savings where you earn, not pay, interest. What is a prepaid car maintenance plan? Prepaid car maintenance plans are contracts that cover scheduled and expected maintenance. Contrary to the other types of plans , they only pay for preventative maintenance, like tire rotations , and . The warranty provided by the manufacturer or extended warranty can provide for the unexpected repair. A prepaid maintenance plan may enter the discussion when buying a new vehicle that doesn’t include scheduled car maintenance into the price of purchase or when the manufacturer doesn’t cover. Whatever the case, you should be certain to inquire if the offered plan can be utilized at an independent mechanic’s shop or if it is limited to servicing in the dealer. Some plans allow service at the selling dealership which limits your options for maintenance in the future. Based on the prepaid maintenance plan that you are considering, maintenance may be restricted to certain intervals (for instance, oil change are only covered once each 10,000 mile). Certain prepaid plans will only offer services once a calendar year or every six months. Depending on the amount you drive, you could need additional paid maintenance on the car. A variety of manufacturers — like Jaguar, Toyota, BMW, Volvo, MINI and Land Rover — offer pre-paid maintenance plans. Certain of these plans also come with wear-and-tear products like windshield wiper blades as well as brake pads, but others don’t. Therefore, it’s critical to research before heading to the dealership. Are prepaid maintenance plans worth the cost? Similar to many other aspects of the buying process making the calculations prior to going to the dealer is key to getting the most value for money. Examine the cost of the plan to the estimated cost of the cost of the scheduled or out-of-pocket expenses during the covered period. Your owner’s manual should list the services you’ll require and the time you’ll require it. Contact the dealer’s service manager and ask for details of maintenance costs. You can also by considering the cost of maintenance, insurance and other expenses. If the cost estimate for regular maintenance of your new car for its first thirty-three miles is $400 and you are paying $880 for the service, a prepay maintenance plan for your vehicle is not worth the cost. If you are paying $25 for the service you’ll can save money. You can find a balance, but remember when you add the plan for prepaid maintenance as part of the loan then calculate the amount you’ll have to pay in interest in addition to the maintenance fee to figure out the full price. The pros and cons of plan to maintain your car prepaid Don’t simply sign up to an prepaid maintenance program. Before you set foot in a dealership, know the expected maintenance costs for the vehicles you’re interested in. Keep the pros and cons as you negotiate. The benefits of covered services are that they are fixed and cannot be increase due to inflation. It is possible to transfer the plan when you decide to sell your vehicle. The value of the residual on vehicles leased might increase with a prepay maintenance plan. The cost of prepaid maintenance may be reduced when compared to the normal maintenance cost. Manufacturer-backed plans are generally offered by dealerships that are affiliated, regardless of where they are located. Cons Service intervals may not correspond to those in the owner’s manual. Prepaid maintenance plans could cost more than the actual expense of maintaining. In most cases, you must get repaired at the dealer that you bought your car from. Common wear-and-tear items are generally not covered. Some insurance plans may include coverage that’s unnecessary or is already part of an the extended warranty. The bottom line Prepaid maintenance plans are a matter of negotiationdo not just sign up to the rate offered by the finance department of the dealership. If you are aware of the cost of regular maintenance, you can prepare ahead and avoid the stress of choosing when and where to transport your car. It’s not the best choice for those who already have a trusted mechanic or body shop or are not planning to remain in the same area that you purchased your car. Also, if you include a prepaid maintenance plan into your auto loan it could cost you more in interest than the maintenance will be worth. Be aware of your loan’s interest rate and don’t be afraid to . To determine whether a prepaid maintenance plan is beneficial to you, make the effort to study the expected cost and compare them with what the dealership has to offer.


The article was written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the details of borrowing money to purchase a car. Edited by Helen Wilbers Edited by Helen Wilbers has been editing for Bankrate from late 2022. He believes in the clarity of reporting that can help readers successfully find deals and make the most appropriate choices regarding their financial situation. He specializes in small business and auto loans. Related articles: Auto Loans 5 min read Mar 03, 2023 Auto 6 min read March 02 2023 Auto Loans 3 min read October 13, 2022 Auto Loans 4 min read Aug 22 2022

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