Posts Tagged 'repair'

American 1’s GAP more affordable

Jessee Frey-Cochrane

People say good things come in threes, but Jessee Frey-Cochrane found out that bad luck can come in twos.

In the span of one year, Jessee had to use American 1’s Guaranteed Asset Protection (GAP) twice on different vehicles.

In August 2006, Jessee’s “summer vehicle,” a 1995 Pontiac Bonneville in great condition, suffered from a sunroof seal leak and was wrecked by mold damage. Her insurance company ruled the damage as a total loss. The next year, in April 2007, her 2004 Ford Freestar caught fire after an electronic harness defect, leading to another ruined vehicle.

Thanks to her GAP coverage, the difference between what Jessee owed on her vehicles and what the insurance company offered her in settlement disappeared.

“It really paid for itself,” Jessee, an American 1 member since 1998, says, “especially after I used the $1,000 GAP Advantage towards my next vehicle.”

Jessee, a Grass Lake resident, knew about GAP coverage as a licensed insurance agent, and shopped around for the best deal. She didn’t find it at a typical dealership, where the GAP price is based on the vehicle’s cost – and can be double or triple the price.

“American 1’s GAP was a flat rate,” she says. “So now I tell people to go to a local credit union – it’s cheaper than the dealership.”

It could just be bad luck that two of her vehicles were totaled within a year. American 1’s GAP coverage, however, helped Jessee balance the score.

“I won’t purchase a vehicle without GAP ever,” she says.

MBP works for auto mechanics, too

jimcorcoran

Fixing someone’s vehicle should be as quick and easy as possible. For Jim Corcoran, owner of Auto Tech in Jackson, “quick and easy” means working with American 1’s Mechanical Breakdown Protection (MBP).

Corcoran says American 1’s MBP coverage is the best he deals with.

“We work with three or four different warranty companies, and this product is the best,” he says. “It’s the best for members and the best for us.”

The entire process, from a member bringing in their vehicle to Corcoran handing back the keys, is straightforward. Members with MBP bring in their vehicle for repairs, Corcoran runs a diagnostic system, then calls the warranty company to find out what’s covered.

“MBP covers just about everything,” he says.

Next, Corcoran faxes over the work order and, not long after that, he receives his payment.

“We’ve built a relationship with this company,” Corcoran says. “So we’re not waiting two days for payment authorization. It gets the member in and out.”

MBP even covers the little things, Corcoran says, like diagnostics and sales tax. He says it also covers twice as much as the next-best warranty for the same price.

“I get reactions like, ‘Wow, I didn’t think they’d cover that,’” he says.

And no deductible means members walk out with no out-of-pocket cost.

Since it makes everything easier, from making repairs to receiving payment, Corcoran recommends MBP to every American 1 member.

Keeping your car maintained: a schedule

With our Auto Loan Expert packets, we’re passing out a short guide of maintenance tasks to do the first year you own your vehicle. Far from comprehensive, our list is a short overview of recommended items.

We assembled a lot of that information from several sources, which are listed below. Browse through each one and get a good idea of recommended to-dos to keep your vehicle in tip-top shape.

Edmonds.com also provides a vehicle-specific maintenance recommendation guide. Enter in your car’s make and model and it will show you what to check on at regular mileage intervals.

As with everything auto-related, refer to your specific vehicle’s owner’s manual for detailed instructions and tips.


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