A mechanic with a clipboard under the hood of a car.

Mechanical Repair Coverage

A lifesaver for expensive repairs.

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Customize your coverage for the right protection at an affordable price.

Covers cars up to 15 model years old with less than 150,000 miles or up to 100,000 miles for Tesla and European makes.

Rental reimbursement during repairs up to $35 per day.¹

24-hour, toll-free roadside assistance for towing, jump starts, tire changing, lockouts and more.²

Acceptance from thousands of authorized U.S. and Canadian dealerships.³

A choice of different levels of coverage and deductible amounts.

Ability to transfer coverage in a private party sale.⁴

A side photo of a car with the hood open.

Coverage for Unexpected Repair Costs

If you plan to keep your car for a while, or have a model that's expensive to fix, Mechanical Repair Coverage could be a lifesaver.

Mechanical Repair Coverage, also known as Mechanical Breakdown Insurance in California, covers the costs of repairs beyond regular maintenance and normal wear and tear for new or used eligible vehicles after your manufacturer's warranty expires.

We'll help you customize the right amount of protection at an affordable price. Get a quote before you buy — Mechanical Repair Coverage is often less expensive than similar services offered by the dealer.⁵

Explore Our Auto Loan Options

FastTrack: Easy SchoolsFirst FCU financing and a network of more than 600 dealerships.
Enterprise Car Sales: Quality used cars inspected by certified technicians.
Autoland: A personal consultant will do the shopping for you.
TrueCar: Get upfront pricing and see what other buyers have paid.

Auto loans with rates as low as 5.69% APR for new vehicles,^† 5.79% APR for used vehicles.^†
Finance a leased or private seller car.
Refinance an existing auto loan.
Pause your monthly payments if you become disabled or unemployed with Payment Shield Plus.

Auto Insurance: We do the work for you to find the right coverage at the best price.
GAP Plus: Additional protection to cover your car's value if your car is damaged beyond repair.
Mechanical Repair Coverage: Provides covered repairs for new and used eligible vehicles after your warranty expires.
MexiPass: Special coverage if you drive your car to Mexico.

AUTO LOAN RATES & TERMS

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For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

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Locations

We offer over 70 branches in California and 30,000+ ATM locations.

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Talk with an insurance protection representative.

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Call

Monday through Thursday, 9 a.m. – 5 p.m.
Friday, 9 a.m. – 6 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 4389

Disclosures

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 866-502-1868. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance form MBIC-CA (08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-6967770.1-0824-0926.

Five-day maximum, 10-day maximum for parts delay; available on the first day of a covered repair.
Up to $100 per occurrence.
Actual costs may vary by vehicle year, make and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc. and its affiliated companies' customers as of January 2021. Your experience may be different.
$50 fee applies.
Savings may vary.

APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.