Month-to-Month Auto Coverage
Enter your VIN and current mileage for an instant monthly price. No phone call, no long-term commitment — just flexible coverage for your car.
Priced Off Your VIN
Your price is built around your exact vehicle — no generic estimates, just an instant number based on your VIN and mileage.
Flexible Billing
2 months down and 10 monthly payments cover a full year — or pay it all up front. Cancel anytime for a prorated refund.
Coverage Built Around Your Car
Unexpected repair bills don't wait for a good time. Our auto coverage plans help pay for covered mechanical breakdowns so a single repair doesn't turn into a budget emergency. Choose from tiers built around your vehicle's components, from core powertrain protection up through our broadest plan.
Choose Your Coverage Tier
Every tier is available at your instant quote — pick the one that matches your vehicle and your budget.
Essential
Our entry-level plan, built around the vehicle’s core powertrain.
- Engine
- Transmission / Transaxle
- Transfer Case & Drive Components
Essential Plus
Everything in Essential, plus the systems that keep your vehicle running comfortably.
- Engine
- Transmission / Transaxle
- Transfer Case & Drive Components
- Fuel System
Premium
Our most extensive listed-component plan, adding what it takes to stop, steer, and ride smoothly.
- Engine
- Transmission / Transaxle
- Transfer Case & Drive Components
- Fuel System
Exclusive
Our broadest plan: every mechanical component of your vehicle is covered except a short, named exclusion list.
- All mechanical components
- Exclusions: wear items (brake pads, wiper blades, etc.), cosmetic parts, and routine maintenance items — see contract for the full list
How It Works
Three simple steps from VIN to covered.
Simple Billing
2 months down plus 10 monthly payments covers a full 12 months of coverage. Prefer one payment? Pay the year up front instead. Cancel anytime for a prorated refund.
Eligibility
Availability depends on your vehicle's age and mileage. Some vehicles may not qualify — enter your VIN to check instantly.
$100 Deductible
Covered repairs carry a flat $100 per-claim deductible. Some vehicle types and uses carry a monthly surcharge, declared up front during your quote.
Auto Coverage FAQ
Answers to common questions about billing, claims, and eligibility.
How does month-to-month auto coverage billing work?
Coverage runs in 12-month terms, billed as 2 months down at checkout followed by 10 monthly payments — 12 months of coverage total. Prefer to pay it all at once? You can pay the full year up front instead.
What is the waiting period before I’m covered?
There’s a 30-day waiting period after you sign up before coverage becomes active. This keeps pricing fair for everyone by preventing sign-ups for issues that already exist.
How much do I pay per claim?
Covered repairs carry a flat $100 per-claim deductible — no percentage math, no surprises.
Will my monthly price include any surcharges?
Some vehicle types and uses (for example, certain commercial use cases) carry a monthly surcharge. Any applicable surcharge is declared up front during your quote, so your price is never a surprise later.
Is every vehicle eligible for coverage?
Eligibility depends on your vehicle’s age and mileage. Enter your VIN and mileage to see instantly whether your vehicle qualifies and what plans are available.
Can I cancel anytime?
Yes. Cancel whenever you’d like and receive a prorated refund for the coverage you haven’t used.
How do I file a claim?
Bring your vehicle to a licensed repair facility, have them call our claims line, and once the covered repair is approved we pay the facility directly — you just cover your $100 deductible.
Get Your Instant Auto Quote
Enter your VIN and current mileage to see your monthly price and available coverage tiers in seconds.
Get My Auto Quote