Mechanical Breakdown Insurance (MBI) helps cover costly car repairs due to mechanical failures not caused by accidents. For Chicago drivers, MBI can be especially beneficial, protecting you against unexpected repair bills resulting from harsh weather and city driving conditions. Unlike standard Illinois auto coverage, MBI covers critical vehicle components when they break down after your warranty ends.
To see if this coverage fits your needs, call Insure on the Spot in Chicago at 773-202-5060 today for personalized guidance.
What Does Mechanical Breakdown Insurance Cover in Illinois?
Mechanical Breakdown Insurance typically covers repairs to major components and systems when they fail unexpectedly due to regular use. In Chicago, common repairs covered include:
- Engine & Transmission: Repairs to internal engine parts, pistons, cylinders, and transmission issues like slipping gears.
- Electrical Components: Starter, alternator, onboard computers, wiring systems.
- Steering & Suspension: Rack-and-pinion steering, power steering pumps, shocks, struts, and ball joints.
- Braking Systems: Master cylinder, ABS components, brake calipers, and brake system failures.
- Heating & Cooling: Radiator, heater core, air conditioning compressor.
However, MBI has exclusions. It generally won’t cover routine maintenance such as oil changes, tire rotations, brake pad replacements, or regular servicing. Normal wear-and-tear parts like tires, belts, and hoses also aren’t covered. Additionally, damage from accidents, theft, or vandalism would fall under collision or comprehensive auto insurance, not MBI.
Is Mechanical Breakdown Insurance Worth It in Chicago?
Considering Chicago’s tough winters, pothole-ridden streets, and heavy traffic, local drivers often face an increased risk of mechanical issues. An unexpected breakdown, like a transmission or engine failure, can easily cost thousands in Chicago repair shops, creating financial strain.
Mechanical Breakdown Insurance is typically beneficial if:
- Your vehicle is newer (less than 15 months old or under 15,000 miles when purchasing MBI).
- Your manufacturer’s warranty has expired or is limited.
- You prefer manageable monthly premiums instead of large, surprise repair bills.
- You frequently drive in Chicago’s demanding urban conditions, increasing the chance of mechanical issues.
However, MBI might not make sense if:
- Your vehicle is older or high-mileage, as eligibility often excludes these.
- You have sufficient savings reserved for car repairs.
- Your car has proven to be reliable and low maintenance.
Chicago drivers should evaluate their specific circumstances carefully. Weigh your vehicle’s age, reliability, driving conditions, and personal financial comfort with unexpected expenses when considering MBI.
Mechanical Breakdown Insurance vs. Extended Warranties: Which Should You Choose?
Chicago drivers frequently compare Mechanical Breakdown Insurance with extended car warranties. Both products cover mechanical issues but have distinct differences:
| Feature | Mechanical Breakdown Insurance (MBI) | Extended Car Warranty |
| Cost Structure | Monthly premiums (around $8–$15/month) | Larger upfront payments ($1,000–$3,000+) |
| Coverage Duration | Typically renew annually up to ~100,000 miles | Fixed term/mileage purchased upfront |
| Service Flexibility | Any licensed repair shop | Often limited to a dealership or a network |
| Coverage Details | Major mechanical breakdowns only | May include some wear-and-tear coverage |
| Cancellations | Easy to cancel or change at renewal periods | Difficult or expensive to alter/cancel |
MBI offers flexible, lower-cost monthly protection suitable for newer vehicles. Extended warranties can offer broader coverage upfront but come at a higher price and commitment. Carefully consider your budget, coverage needs, and vehicle situation before choosing.
How to Add Mechanical Breakdown Insurance to Your Policy
Adding Mechanical Breakdown Insurance to your existing Chicago auto policy is straightforward:
- Verify Eligibility: Ensure your vehicle meets insurer requirements—often newer cars under 15 months or 15,000 miles.
- Review Coverage Terms: Check exactly what components are covered, deductible amounts (typically around $250), and total coverage limits.
- Contact Your Agent: Call a knowledgeable insurance provider, such as Insure on the Spot at 773-202-5060, to discuss options and confirm availability for your vehicle.
- Finalize Policy: Once you’ve selected MBI, your insurer will add coverage to your existing auto policy. You’ll pay monthly with your regular premium.
This simple addition can significantly reduce potential repair expenses, especially given Chicago’s demanding driving conditions and elevated local repair shop rates.
Frequently Asked Questions (FAQs)
Q: What’s the minimum auto insurance required in Illinois?
A: Illinois requires at least 25/50/20 liability coverage, meaning $25,000 per person for bodily injury, $50,000 per accident for injuries to others, and $20,000 for property damage. Many Chicago drivers choose higher coverage limits for better protection.
Q: Is Mechanical Breakdown Insurance required in Illinois?
A: No, Mechanical Breakdown Insurance is entirely optional in Illinois. It complements your existing auto coverage by paying for unexpected mechanical failures, but it’s not legally mandated.
Q: Can older vehicles qualify for Mechanical Breakdown Insurance?
A: Typically, no. Most insurers limit MBI coverage to newer, low-mileage vehicles (often under 15 months old or below 15,000 miles). Older vehicles generally do not qualify, making extended warranties or personal savings better alternatives.
Q: How much does Mechanical Breakdown Insurance typically cost?
A: Mechanical Breakdown Insurance usually adds about $8–$15 monthly to your auto insurance premium in Illinois. When filing a claim, you’ll typically pay a deductible of around $250, with insurance covering approved repairs afterward.
Q: Does Mechanical Breakdown Insurance cover regular maintenance?
A: No, routine maintenance like oil changes, tire rotations, or brake pad replacements isn’t covered by MBI. It strictly covers unexpected mechanical breakdowns, excluding standard wear-and-tear items.
Get a Quote Today!
Chicago drivers trust Insure on the Spot for clear advice and affordable insurance solutions. Our local agents understand Chicago’s unique driving environment and will guide you to the best coverage choices, including Mechanical Breakdown Insurance.
For personalized assistance and peace of mind, call 773-202-5060 or request a Free Quote Online Today!