A breakdown shouldn't cost you your whole month.
CoverageX covers the big, expensive repairs and pays the shop directly — so a dead transmission is a phone call, not a financial emergency. Price locked for life.
Why drivers choose CoverageX
The whole point
$0 out-of-pocket on covered repairs.
We pay the certified shop directly — no reimbursement forms, no fronting the cost and waiting to get paid back.
500K+
vehicles protected nationwide
24/7
real humans answer — day or night
Any certified shop, all 50 states
Keep your mechanic. Travel and break down somewhere new? You're still covered.
Price locked for life
Your rate never climbs as your car ages.
Roadside + rental included
Towing and a loaner while it's in the shop.
30-day money-back guarantee — try it with zero risk. Consent is never a condition of purchase.
Major systems covered
How a claim actually works
No paperwork maze. Three steps, and we handle the rest with the shop.
Take it to any certified shop
Your mechanic or one nearby — your choice, anywhere in the 50 states.
They call us, we approve
Our team works directly with the shop on the covered repair. Real humans, 24/7.
We pay the shop directly
You cover any deductible in your plan — not the repair bill. Drive away.
Straight answers
Is this car insurance?
No. CoverageX is a vehicle service contract — extended protection for mechanical breakdowns. It works alongside your auto insurance, not in place of it.
Do I have to pay the shop and wait to be reimbursed?
No. We pay the certified repair shop directly for covered work. You handle any deductible in your plan — never the full bill.
Can I use my own mechanic?
Yes — any certified shop in all 50 states. Keep the mechanic you trust.
What if I change my mind?
There's a 30-day money-back guarantee. And consent to be contacted is never a condition of purchase.
Get covered before the next breakdown.
See your locked-for-life price in about a minute. No obligation, and you'll always see the full terms before you enroll.
Drivers who've been there
“Tevone Hall was an absolute joy to work with — accommodating and he really listened to me. I only had to use the policy once, but it was definitely worth having.”
“As an auto shop manager in Brooklyn NY, I found the process very easy. Robert and Nathanal helped me every step of the way.”
“Phil Joseph and Michael Graham were great — they really listened to my questions about the coverage. Clear English, just a good experience.”