![]() ![]() MBI is a contract with an insurance company and can be sold by a licensed insurance company or certain third-party providers. Provider: VSC is provided by anyone besides the manufacturer and may be sold by the dealership or licensed provider.Here’s a breakdown of the key differences: What’s the Difference Between an MBI and VSC?Įssentially, Mechanical Breakdown Insurance and a Vehicle Service Contract are your two options for extended warranties in California. It's advisable to check the latest state-specific availability as situations can evolve. The lack of availability of Endurance's services in California is significant considering the state's large population of vehicle owners.ĭespite Endurance's comprehensive coverage options and customer-friendly services, Californians need to explore other providers to protect their automotive investments. This restriction is due to the stringent regulatory environment in California that impacts many auto warranty companies.Ĭonsumers should be aware that they will need to consider other warranty providers if they are California residents. Is Endurance Warranty Available in California?Įndurance Warranty, a prominent provider of extended auto warranties, is unfortunately not available in California. The state Department of Insurance regulates MBI, which ensures adjusted, standardized rates. MBIs do not replace your standard car insurance but serve as an add-on. However, the service is an insurance policy. ![]() Typical policies are around $100 per year. It still covers repairs for unexpected breakdowns that the manufacturer's warranty may not cover. Mechanical Breakdown Insurance is very similar to an extended warranty or VSC. Be sure you understand what the policy will and will not cover before purchasing.Ĭheck out our best picks for third-party warranty providers here > What Is Mechanical Breakdown Insurance (MBI)? Each policy offers unique coverage, either as named exclusion (only lists what is not covered) or named component (lists everything covered). As mentioned above, VSCs and extended warranties are generally interchangeable terms, but when people refer to extended warranties, they are most likely talking about a VSC.Ī VSC is not a warranty but a contract between you and the provider for what repairs are covered. What Is a Vehicle Service Contract (VSC)?Ī vehicle service contract is an extended warranty purchased from the dealer or a third-party provider. Some extended warranty providers will also offer California-approved warranties that we’ll discuss below. ![]() The main difference between a warranty and a VSC is who the provider is. VSCs are commonly referred to as extended warranties, but they are two separate things. ![]() However, you can get additional coverage after the manufacturer warranty expires with one of their extended warranty plans. Technically, only a manufacturer can provide a warranty for a car. The other option is to purchase this additional coverage through your insurance company. Simply put, it can be challenging to find an extended car warranty in California because of the strict regulations.Ĭalifornia residents have limited options for coverage, but some third-party providers offer MBI plans.
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