One breakdown can cost more than years of coverage.
A transmission or engine repair can run thousands. CoverageX is vehicle service protection that pays the certified shop directly, so a bad day at the garage doesn't become a bad month for your budget. Compare the three real options below.
Takes about a minute · No obligation · Consent is not a condition of purchase
Three options, side by side
The same six questions, answered honestly for each path. The column that protects you most is highlighted.
| What matters | Best valueCoverageXVehicle service protection | Pay out of pocketNo protection | Other warrantiesTypical plans |
|---|---|---|---|
| Who pays a covered repair | We pay the shop directly | 100% on you | Often you pay, then wait for reimbursement |
| Your price over time | Locked for life | Rises with every breakdown | Can renew higher each term |
| Where you can get serviced | Any certified shop, all 50 states | Anywhere — but full cost | Frequently network-restricted |
| Roadside & rental | Included | Out of pocket | Usually an add-on |
| Talking to a real person | Real humans, 24/7 | On your own | Phone trees and hold music |
| Changed your mind | 30-day money-back | Nothing to cancel | Cancellation fees common |
Your quote is free and your price locks the day you enroll.
Major components covered
No reimbursement maze. Three steps.
Get covered in a minute
Tell us your vehicle, get a free quote, and lock your price for life. No exam, no pressure.
Drive to any certified shop
Something breaks? Take it to any certified shop in all 50 states — your mechanic is fine.
We pay the shop directly
On a covered repair we settle with the shop, not you. Roadside and a rental are included.
See your price before you decide.
No invented numbers and no obligation — just your real quote, with coverage and any waiting period shown clearly before you enroll.
- We pay the shop directly — no reimbursement chasing
- Price locked for life the day you enroll
- Any certified shop, all 50 states
- Roadside, rental & a 30-day money-back window
What members tell us
“Tevone Hall was an absolute joy to work with — accommodating and he really listened to me. I only had to use the policy once, but it was definitely worth having.”
“As an auto shop manager in Brooklyn NY, I found the process very easy. Robert and Nathanal helped me every step of the way.”
“Phil Joseph and Michael Graham were great — they really listened to my questions about the coverage. Clear English, just a good experience.”
Honest answers
Is this car insurance?
No. CoverageX is a vehicle service contract — extended protection for mechanical breakdowns. It sits alongside your insurance, it does not replace it.
Do I have to pay the shop and wait to be paid back?
No. On a covered repair we pay the certified shop directly, so you are not floating the bill or chasing a reimbursement.
Can I use my own mechanic?
Yes. You can use any certified repair shop in all 50 states — you are not locked into a narrow network.
What if I change my mind?
You have a 30-day money-back window. And once you enroll, your price is locked for life.