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Best Time to Purchase a Vehicle Service Contract
Published on:  
November 28, 2023
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When is the Best Time to Purchase a Vehicle Service Contract?

In this blog post, we break down the best time to purchase a vehicle service contract for your car.

When it comes to protecting your investment in a vehicle, a vehicle service contract (VSC) can be a valuable asset. Also known as an extended car warranty, a VSC offers peace of mind by covering unexpected repair costs, ensuring that you won't be left with a hefty bill if your vehicle experiences mechanical issues. However, timing your purchase of a vehicle service contract can make a significant difference in terms of cost and coverage. In this article, we'll explore when is the best time for you to purchase a VSC to protect your vehicle.

1. Just Before Your Factory Warranty Expires

One of the most logical times to consider a VSC is just before your vehicle's factory warranty expires. Factory warranties typically cover your vehicle for a specific period (e.g., 3 years/36,000 miles or whichever comes first). Once this warranty expires, you'll be responsible for any repair costs, which can be quite high for modern vehicles with complex systems. By purchasing a VSC just before your factory warranty ends, you ensure uninterrupted coverage. Additionally, many VSC providers offer better rates when your vehicle is still under its factory warranty, as it has fewer miles and is likely to require major repairs. If you do purchase a vehicle service contract, make sure to find a provider that commits to never increasing your rate even as your vehicle ages.

However, even if your factory warranty has already expired, that doesn't mean it's too late to purchase a VSC. Many providers still offer great rates and coverage, even for older vehicles. In fact, some people choose to wait for a few years after their factory warranty expires before purchasing a VSC. This is because as a vehicle ages, the risk of a breakdown increases substantially. For some people, they are willing to take the risk of a breakdown while their vehicle is still relatively new, but would prefer to get coverage once their vehicle reaches a certain age.

2. When Planning Long-Term Ownership

If you intend to keep your vehicle for the long haul, investing in a vehicle service contract early on can be a wise decision. It ensures that you have coverage throughout the entirety of your ownership, even as your vehicle ages and accumulates more miles. This long-term protection can save you a significant amount in repair costs over time. Plus, with the cost of new vehicles getting more and more expensive, it makes sense to keep your current vehicle for as long as possible. As such, a vehicle service contract can be a great way to prepare you for long-term ownership.

3. When Budgeting for Vehicle Ownership

Including the cost of a VSC in your vehicle ownership budget from the start can make it easier to manage your finances. By planning for this expense upfront, you can ensure that you have adequate coverage when you need it most. This will help protect you from surprise repair bills, ensuring that you can effectively budget for vehicle ownership.

In the world of personal finance, this is known as smoothing your expenses. Instead of risking a multi-thousand dollar breakdown that can cripple you financially, you can choose to pay an affordable monthly fee for a VSC. This eliminates a huge portion of the risk of vehicle ownership, allows you to budget your finances, and ensures that your car is covered if it experiences a mechanical breakdown.

4. Before Your Vehicle Experiences a Breakdown

One crucial aspect to consider is that VSCs won't cover pre-existing conditions. If your vehicle has already experienced a breakdown or developed a mechanical issue, purchasing a VSC afterward will not cover those specific problems. It's essential to buy a VSC when your vehicle is in good working condition to ensure that you're protected against future unexpected repairs.


In conclusion, the best time to purchase a vehicle service contract depends on your specific circumstances and goals. As a general rule of thumb, it's a good idea to consider a VSC before your factory warranty expires or when your vehicle is still relatively new. However, it's never too late to get coverage for your vehicle. Planning for long-term ownership, taking advantage of promotional offers, and budgeting for vehicle ownership can also be beneficial.

Additionally, it's crucial to purchase a VSC before your vehicle experiences a breakdown to avoid issues related to pre-existing conditions. By timing your VSC purchase wisely, you can enjoy worry-free driving and minimize unexpected repair expenses, making your ownership experience more enjoyable and financially manageable. Remember to research VSC providers, compare plans, and read the terms and conditions before making your decision to ensure you get the best value for your investment in vehicle protection.

For the peace of mind that comes with a vehicle service contract, consider breakdown coverage from Zoomi. Our monthly vehicle service contracts come with a 30-day money back guarantee, are backed by A-rated insurance, and offer the flexibility of a monthly subscription. Plus, we promise to never increase your monthly rate, even if you have a breakdown. With three deductible options and three plans to choose from, you’re guaranteed to find the coverage you need at a price you can afford. On top of that, our claims specialists have paid over $1 billion to repair the vehicles of customers just like you! Check your price and even purchase coverage 100% online using the link below.

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