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What's the nature of its deductible? Fully investigate a policy's deductible before signing on the dotted line. Consider not only its amount, but also whether it's per visit or per repair. With a per visit deductible, each visit to the shop will run you a fixed amount, regardless of how many parts are repaired; a per repair deductible applies to each serviced part. What sounds like a minor difference may, under certain circumstances, have a major impact on your wallet. If, for example, you've got a $100 per repair deductible and you take your car in to get the air conditioner, fuel pump and alternator serviced, you'll be out $300; had you opted for a per visit deductible, those repairs would only have cost you $100. Charier still is a $0 deductible policy. You will have to pay extra for this, but if your circumstances become such that you have to take your car in frequently, you'll find that this policy more than pays for itself.
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Before you say "hey, that's not fair" keep this in mind: why should the dealer offer any help on the manufacturer's behalf to customers that are not loyal to the dealer when having their vehicle maintenance performed? If you service your vehicle through an independent or aftermarket facility, what does the manufacturer owe you in terms of assistance? Manufacturers cannot control the quality of the parts used or work performed when you service your vehicle through aftermarket service facilities. Also remember that the treatment you receive as a customer has a great deal to do with you being a loyal customer to the car dealer and the manufacturer.
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