Warranty Tips, Info & FAQs
Extend the life of your vehicle by reducing your out-of-pocket costs.
Factory warranties are great. But since most mechanical and electrical failures happen after they’ve expired, you may wind up paying for expensive and unexpected repairs. Our Mechanical Breakdown Coverage offers four levels of affordable options to help you protect your pocketbook against costly mechanical and electrical repairs.
4 Ways to Make Sure You're Covered
So you just bought a new car. Or maybe it’s just new to you. Either way, congratulations! Whether you scrimped and saved or secured financing for your purchase, having a vehicle is something to celebrate.
It doesn’t matter if your car’s racked up 20 miles or 20,000, you’re going to have to fix something sometime. If you buy a new car, that time may not come until after your warranty expires. If you buy a used car, you may be on the hook for repairs from the get go. And at some point, you may find yourself making car payments and repair payments at the same time. Here are some tips to cover your chassis.
1. Don’t skimp on insurance.
Whether your car gets wrecked or stolen, having back up to help you pay off your loan and qualify for a new one is never a bad idea. Plus in many states, it’s the law. If money’s tight, you can save money by skipping collision insurance. If you have an older car, you may not miss it, and you’ll be grateful for the rock bottom monthly premiums.
2. Car care is critical.
Staying up-to-date on routine maintenance can help you prevent, or at least delay, breakdowns and repairs. So check that oil. Change those filters. Rotate those tires and change them when they become damaged and worn. It’ll save you money, and it could save your life.
3. Gap coverage is good thinking.
Cars are expensive. So expensive, in fact, that at some point you may owe more on your loan than your car is worth. Get gap coverage to ensure that if you get in a wreck, you’ll have enough to pay off your loan no matter the current price on the car.
4. Say yes to warranties.
New or used — if your car comes with a warranty, buy it. Accidents happen. If one happens to you, a warranty will protect you from owing money on a car you can’t drive.
Can I finance this Warranty into my loan?
Yes, we allow protection products purchased through the credit union to become part of the loan, and we also offer a discount to the interest rate.
Can I change the deductible on the Warranty?
Yes you can change the deductible to fit your needs.
How do I know what level of coverage to choose?
There are four different levels United Texas offers and one of our Financial Services Officers will be happy to help explain them to you to get the best fit for you and your family.
Do I need a Warranty if I am purchasing a new auto?
Most dealer and manufacturer warranties only cover certain items on the vehicle for a limited time. The purchase of Mechanical Breakdown extends your coverage while protecting your investment from costly mechanical and electrical failures. It also provides Roadside assistance, Rental Vehicle Assistance, Tire Road Hazard and Trip Interruption.
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Warranty Why United Texas
- Roadside Assistance: All plans provide reimbursement for Roadside Assistance.
- Emergency Services: Lock-Out Assistance, Fuel Delivery Services, Flat Tire Assistance and Battery Service
- Rental Vehicle Assistance: If you break down, we'll cover your alternate transportation expenses (according to the schedule in your contract).
- Tire Road Hazard: We'll repair or replace your tires if they're damaged by a road hazard.
- Trip Interruption: If your car breaks down more 100 miles away from home and the shop keeps your car overnight, we'll cover your meals and lodging for up to three days.
I do enjoy the personal touch they provide. Also, they have great rates and friendly staff.Helen D., member since 2011
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Warranty How it Works
How it Works
It’s as simple as personalizing the coverage that works best for you with one of the four plans.
Tell your Financial Services Officer which plan you want to add to you loan.
Finance it with the purchase of your auto and enjoy a .25% discount when you add Warranty (Mechanical Breakdown).
Related Products & Services
Repairs can be performed at any licensed repair facility in the US or Canada. All claims are handled directly by the insurer with direct payments to the repair facility. We are not a third party administrator. You may transfer your coverage if you sell your vehicle before your contract expires.
You may be eligible for coverage even if you don’t currently have an auto loan with United Texas!
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Please refer to the actual service contract for coverage, exclusions, terms and conditions.