Chicago IL automobile insurance

Reader question:

Should I add mechanical breakdown coverage to my Chicago IL automobile insurance policy?

Luke

Thanks for asking, Luke.

There was a time a year or so ago when I would have killed to have mechanical breakdown coverage on my Chicago IL automobile insurance policy. I worked about an hour away from home and had a terrible car that was always breaking down on me. I can’t count the times that I was stranded without a cell phone and quarters to call on a pay phone until someone noted my absence.

I think I would only recommend mechanical breakdown to be added to your Chicago IL automobile insurance policy if you’re in a situation kind of like that. For example, if you have a car that has a high risk of breaking down, and you’re far away from home very often or you live out in the middle of nowhere, and maybe you don’t have a cell phone or your city doesn’t have many taxis or public transportation. Otherwise, it might not be very necessary.

Mechanical breakdown coverage also covers a lot of things that your warranty already covers. However, if you have a car that is constantly breaking down, it might be a good idea. The only catch is that Chicago IL automobile insurance companies that offer mechanical breakdown coverage don’t offer it for wear and tear, which is where most people are going to be breaking down. Take out wear and tear and you’re losing a whole lot of coverage right there.

Cheers,

Fashun Guadarrama.