: Often pitched during the finance process, these can be automaker-branded or third-party plans. While convenient and sometimes rollable into your auto loan, they often come with high markups—sometimes 30% to 50% —and will accrue interest if financed.

: Some auto insurers, such as Progressive or AAA , offer mechanical breakdown insurance (MBI), which can be a more affordable pay-as-you-go alternative. Key Considerations for Used Cars

: Companies like Endurance , CarShield, and CARCHEX offer direct-to-consumer plans. These are often more affordable and flexible regarding where you get your car repaired.