Best Car Insurance for OEM Parts Coverage in 2025 (Top 10 Companies)
Explore the best car insurance for OEM parts coverage with State Farm, USAA, and Allstate. State Farm offers minimum coverage starting at $110/month. Discover their winning strategies, driven by factors such as credit score and comprehensive protection. Secure excellence tailored to your vehicle's needs.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 7, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 7, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
18,154 reviewsCompany Facts
Full Coverage for OEM Parts Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
6,589 reviewsCompany Facts
Full Coverage for OEM Parts Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
11,638 reviewsCompany Facts
Full Coverage for OEM Parts Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
Welcome to our guide on the top 10 best car insurance for OEM parts coverage. Whether you’re looking for inclusive coverage, military affiliation benefits, or competitive rates, we’ve compiled a list of the leading companies that prioritize your needs for genuine parts replacements.
Our Top 10 Company Picks: Best Car Insurance for OEM Parts Coverage
| Company | Rank | Multi-Vehicle Discount | OEM Parts Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | 15% | Inclusive Coverage | State Farm |
 | #2 | 10% | 10% | Military Affiliation | USAA |
 | #3 | 25% | 20% | Enhanced Protection | Allstate |
 | #4 | 20% | 15% | Brand Reputation | Nationwide |
 | #5 | 10% | 10% | Customizable Policies | Progressive |
 | #6 | 12% | 15% | Car Replacement | Liberty Mutual |
 | #7 | 15% | 10% | Bundling Discounts | Farmers |
 | #8 | 8% | 10% | Competitive Rates | Travelers |
 | #9 | 25% | 15% | Local Service | Erie |
 | #10 | 15% | 10% | Affordable Rates | The General |
That wraps up our list of the top 10 car insurance companies known for their OEM parts coverage. From inclusive policies to affordable rates, there’s an option here to suit every driver’s unique requirements.
Instantly compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#1 – State Farm: Top Overall Pick
Pros
- Wide Coverage Options: State Farm offers a diverse range of coverage options, providing flexibility to tailor your policy to specific needs.
- Strong Financial Stability: Known for its financial strength, State Farm ensures reliability in fulfilling claims and maintaining customer satisfaction.
- Discount Programs: State Farm often provides various discounts, potentially lowering overall premium costs. Expand your knowledge with our State Farm insurance review.
Cons
- Premium Costs: While offering extensive coverage, State Farm’s premiums may be comparatively higher for some policyholders.
- Limited Digital Experience: The online interface and digital tools may not be as advanced or user-friendly as some competitors.
#2 – USAA: Best for Tailored Excellence for Military Members
Pros
- Excellent Customer Service: USAA consistently receives high praise for its exceptional customer service and responsiveness. For additional information, read our USAA insurance review.
- Exclusive to Military Members: For eligible members, USAA provides specialized coverage tailored to the unique needs of military personnel.
- Competitive Rates: USAA is often recognized for offering competitive rates, potentially providing cost savings.
Cons
- Membership Eligibility: Limited to military members and their families, excluding a significant portion of the general population.
- Online-Only Model: While efficient, USAA’s model relies heavily on online interactions, which may not suit everyone.
#3 – Allstate: Best for Customized Protection With Enhanced Features
Pros
- Feature-Rich Policies: Allstate provides a variety of optional features, allowing policyholders to customize coverage to their specific needs.
- User-Friendly Technology: With a strong online presence, Allstate offers digital tools for easy policy management and claims processing. For more details, see our Allstate insurance review.
- Claim Satisfaction: Allstate often ranks well in customer satisfaction surveys, particularly in the handling of claims.
Cons
- Premium Costs: Similar to State Farm, Allstate’s extensive coverage options may come with higher premium costs.
- Mixed Agent Experiences: Customer experiences with Allstate agents can vary, impacting the overall service quality.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#4 – Nationwide: Best for Innovative Coverage Solutions for All
Pros
- Vanishing Deductible: Nationwide offers a unique feature called “Vanishing Deductible,” where your deductible decreases for every claims-free year.
- Strong Customer Support: Nationwide is recognized for its responsive customer service, ensuring assistance when needed. Explore further by checking our Nationwide insurance review.
- Multi-Policy Discounts: Bundling auto insurance with other policies can lead to significant discounts, promoting overall savings.
Cons
- Limited Local Agents: Nationwide’s physical presence may not be as extensive, potentially limiting face-to-face interactions.
- Policy Flexibility: While comprehensive, some policyholders may find Nationwide’s coverage options less flexible than competitors.
#5 – Progressive: Best for Smart Driving
Pros
- Snapshot Program: Progressive snapshot program allows safe drivers to earn personalized discounts based on their driving habits.
- Wide Range of Coverages: Progressive offers a broad spectrum of coverage options, accommodating various driver needs. Learn more by reading our Progressive insurance review.
- Online Quoting Tools: Progressive’s online tools make it easy to obtain quotes and customize policies based on individual preferences.
Cons
- Price Variation: Premiums can vary widely, and some policyholders may find Progressive’s rates less competitive.
- Complex Discounts: While numerous discounts are available, understanding eligibility criteria can be complex for some customers.
#6 – Liberty Mutual: Best for Advanced Protection
Pros
- Accident Forgiveness: Liberty Mutual offers accident forgiveness, allowing drivers to maintain lower rates even after an at-fault accident.
- New Car Replacement: For qualifying vehicles, Liberty Mutual provides coverage for the replacement cost of a new car in case of a total loss.
- Tech-Savvy Services: Liberty Mutual invests in digital tools for a convenient online experience, from quotes to policy management. Explore further by checking our Liberty Mutual review.
Cons
- Premiums for High-Risk Drivers: High-risk drivers may find Liberty Mutual premiums on the higher side.
- Limited Discounts: While Liberty Mutual offers discounts, the range may be narrower compared to some competitors.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#7 – Farmers: Best for Personalized Policies
Pros
- Personalized Coverage: Farmers offers customizable policies, allowing drivers to tailor coverage to their specific needs.
- Additional Coverage Options: Farmers provides various additional coverage options, enhancing policyholders’ protection. For more details, see our Farmers insurance review.
- Discount Opportunities: Farmers offers multiple discount programs, potentially making coverage more affordable.
Cons
- Premium Costs: Some policyholders may find Farmers’ premiums on the higher side, especially for extensive coverage.
- Claims Process: Customer reviews suggest that experiences with Farmers’ claims process can be mixed.
#8 – Travelers: Best for Intellidrive Excellence
Pros
- Intellidrive Program: Travelers Intellidrive program allows safe drivers to earn discounts based on their driving behavior.
- Wide Range of Discounts: Travelers offers a variety of discounts, potentially reducing overall premium costs. For additional information, read our Travelers insurance review.
- Stellar Financial Strength: Known for financial stability, Travelers provides assurance in fulfilling claims and obligations.
Cons
- Limited Local Presence: Travelers’ physical presence may be limited in some regions, affecting in-person interactions.
- Policy Flexibility: Some policyholders may find Travelers’ coverage options less flexible than those of competitors.
#9 – Erie: Best for Rate Lock Assurance
Pros
- Rate Lock Feature: Erie provides a Rate Lock feature, ensuring that your premium rates remain unchanged unless specific factors change.
- Customer Satisfaction: Erie consistently receives high marks for customer satisfaction, reflecting a positive customer experience.
- Add-on Coverages: Erie offers various add-on coverages, allowing policyholders to enhance their protection as needed. Dive into our Erie insurance review for more.
Cons
- Limited Coverage Area: Erie Insurance primarily serves specific regions, potentially limiting accessibility for some customers.
- Digital Tools: While functional, Erie’s online tools may not be as advanced as those of larger competitors.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
#10 – The General: Best for Specialized High-Risk
Pros
- High-Risk Coverage: The General specializes in providing coverage for high-risk drivers, offering options for those with challenging driving records.
- Fast Quotes: The General is known for providing quick and straightforward quotes, simplifying the initial comparison process.
- SR-22 Filings: The General assists drivers with SR-22 filings, catering to those with required high-risk insurance. For more details, see our The General insurance review.
Cons
- Limited Coverage Options: The General’s coverage options may be more basic compared to traditional insurers, limiting customization.
- Higher Premiums for High-Risk: While accommodating high-risk drivers, premiums may be higher than average.
Comparing the Best Car Insurance for OEM Parts Coverage
Before delving into the intricacies of OEM parts coverage, it is essential to understand what OEM parts are and why they hold significant value for car owners. OEM parts refer to the original components used in manufacturing a vehicle. These parts are designed and produced by the same manufacturer that created the vehicle, or by approved suppliers who meet the strict quality standards set by the manufacturer.
OEM Parts Coverage Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $120 | $160 |
| $95 | $130 |
| $110 | $150 |
| $130 | $170 |
 | $100 | $140 |
 | $90 | $130 |
 | $110 | $150 |
| $150 | $200 |
| $100 | $140 |
| $80 | $120 |
Explore the average monthly car insurance rates for OEM Parts Coverage across top companies. For full coverage, State Farm offers competitive rates at $150, while USAA and Progressive stand out with $120 and $130, respectively. Allstate and Nationwide provide comprehensive coverage at $160 and $140.
When considering minimum coverage, USAA offers the most affordable option at $80 per month. Progressive and Erie follow closely, offering minimum coverage at $90 and $95. While State Farm and Nationwide provide budget-friendly choices at $110 and $100, respectively, The General stands out with a higher rate of $150 for minimum coverage.
For additional information, read our “How long does it typically take for The General Insurance to process an car insurance claim?”
The Importance of OEM Parts Coverage in Car Insurance
Now that we understand the significance of OEM parts, let’s explore why having OEM parts coverage in your car insurance policy is crucial. When accidents happen, and your vehicle gets damaged, the insurance company will assess the cost of repairs or replacements. Without OEM parts coverage, your insurance policy may only provide coverage for aftermarket or non-OEM parts.
While aftermarket parts may be less expensive, they often lack the quality and fit of OEM parts. This can compromise the safety, performance, and even the resale value of your vehicle. With OEM parts coverage, your insurance policy will ensure that only genuine OEM parts are used for repairs, allowing you to restore your vehicle to its pre-accident condition.
In addition to ensuring the quality and fit of the parts used for repairs, OEM parts coverage also provides peace of mind for car owners. By having this coverage, you can avoid potential disputes with the insurance company or repair shop regarding the use of aftermarket parts.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How Does OEM Parts Coverage Benefit Car Owners
The benefits of OEM parts coverage extend beyond just ensuring the quality of repairs. By opting for car insurance with OEM parts coverage, car owners can enjoy several advantages. Firstly, OEM parts help maintain the originality and value of your vehicle. Whether you plan to sell or trade-in your car in the future, having OEM parts coverage ensures that your vehicle’s value remains intact.
Secondly, OEM parts often come with warranties provided by the manufacturer. This warranty can provide extra peace of mind, as you will be covered for any potential defects or issues that arise from the replacement parts. Lastly, OEM parts coverage allows car owners to have confidence in the repair process knowing that their vehicle is being restored using the same components that were installed during its manufacturing.
Another benefit of OEM parts coverage is that it can help ensure the safety of your vehicle. OEM parts are specifically designed and tested to meet the manufacturer’s standards, which means they are more likely to fit and function correctly. This can help prevent potential issues or malfunctions that could compromise the safety of your car and its occupants.
Learn more by reading our: Does Auto Club Enterprises Insurance Group offer OEM parts coverage?
Factors to Consider When Choosing Car Insurance With OEM Parts Coverage
When selecting the best car insurance for OEM parts coverage, there are a few crucial factors to consider. Firstly, review the specific policy language regarding OEM parts coverage. Ensure that the coverage is clearly defined and includes comprehensive protection for OEM parts. It is important to understand any limitations or exclusions associated with the coverage.
Next, consider the deductible amount for OEM parts coverage. The deductible is the amount you need to pay out of pocket before your insurance coverage kicks in. Evaluate whether the deductible is reasonable and aligns with your budget and needs. Additionally, compare the premium rates for different car insurance providers offering OEM parts coverage. Consider the overall cost of the policy in relation to the coverage provided.
Furthermore, it is important to consider the process for filing a claim for OEM parts coverage. Understand the steps involved and any documentation required to ensure a smooth and efficient claims process. Look for an insurance provider that offers a user-friendly claims process and provides support throughout the entire process.
Discover insights by reading our: Car Insurance: A Complete Guide
Best Car Insurance Providers Offering OEM Parts Coverage
State Farm
State Farm offers OEM (Original Equipment Manufacturer) parts coverage as an optional add-on to their car insurance policies. This coverage ensures that, in the event of a covered claim, your vehicle will be repaired using original manufacturer parts rather than aftermarket parts. This can be beneficial for maintaining your vehicle’s value and performance. It’s always a good idea to discuss your coverage options with a State Farm agent to determine if OEM parts coverage is right for you.
USAA
USAA offers OEM (Original Equipment Manufacturer) parts coverage as part of their comprehensive car insurance policies. With this coverage, your vehicle will be repaired using original manufacturer parts after a covered claim, maintaining the quality and value of your car. It’s a great option for those who want top-notch repairs.
Allstate
Allstate OEM (Original Equipment Manufacturer) parts coverage is available as an optional add-on to their standard car insurance policies. With this coverage, you can ensure that your vehicle will be repaired using original manufacturer parts in the event of a covered claim. This can be particularly beneficial for newer or high-value vehicles, as it helps maintain the quality, performance, and resale value of your car.
Explore further by checking out our: Best Car Insurance Discounts
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Comparing Different Car Insurance Policies for OEM Parts Coverage
When comparing car insurance policies for OEM parts coverage, it’s important to carefully review the coverage details. Assess whether the policy provides comprehensive coverage for OEM parts or if there are limitations and exclusions. Consider the terms and conditions, deductibles, and premium rates associated with each policy.
Additionally, evaluate the ease of making a claim for OEM parts replacement. Look for insurance providers that have simplified processes and efficient claims handling. A streamlined claims process ensures that you can quickly submit a claim for OEM parts replacement without any unnecessary hassles.
Tips for Finding the Best Car Insurance for OEM Parts Coverage
While exploring different car insurance options for OEM parts coverage, keep the following tips in mind:
- Comparing Insurance Coverage Options: Research and compare coverage options from multiple providers.
- Choosing Reliable Insurance Providers: Consider the reputation and financial stability of the insurance company.
- Customer Satisfaction in Insurance: Read customer reviews and testimonials to gauge customer satisfaction.
- Exploring Additional Insurance Benefits: Look for insurers that offer additional benefits such as roadside assistance or rental car coverage.
- Understanding OEM Parts Coverage: Ensure that the policy language clearly defines OEM parts coverage and any associated limitations.
Exploring the Cost of Car Insurance With OEM Parts Coverage
When it comes to the cost of car insurance with OEM parts coverage, there are various factors that can influence the premium rates. Insurance companies consider factors such as your driving history, location, age, and the make and model of your vehicle. Additionally, the level of coverage and the deductible you select will impact the overall cost of the policy.
It is important to balance the cost of the policy with the level of coverage offered. While it may be tempting to choose a policy solely based on affordability, ensure that the coverage adequately protects your vehicle and aligns with your needs.
compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool.
For more details, check out our: Does Auto Club Enterprises Insurance Group offer OEM parts coverage
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How to Make a Claim for OEM Parts Replacement With Your Insurance Provider
If you find yourself in a situation where you need to make a claim for OEM parts replacement, follow these general steps:
- Notifying Your Insurance of Damages and OEM Needs: Contact your insurance provider and inform them about the damages and the need for OEM parts replacement.
- Steps to File an Insurance Claim Efficiently: Follow any specific instructions provided by your insurance company for filing a claim, such as providing photographs or obtaining estimates.
- Choosing Approved Repair Shops for OEM Repairs: Work with the approved repair shops or service centers recommended by your insurance provider to ensure that OEM parts are used for the repair.
- Collaborating with Claims Adjusters: Cooperate with the claims adjuster throughout the process and provide any additional information they may require.
- Verifying Proper OEM Part Installation Post-Repair: Review the repairs and ensure that the OEM parts have been properly installed and your vehicle has been restored to its pre-accident condition.
Common Misconceptions About OEM Parts Coverage in Car Insurance
Despite its importance, there are a few common misconceptions surrounding OEM parts coverage in car insurance. One misconception is that OEM parts coverage is only necessary for newer vehicles. However, even older vehicles can greatly benefit from the use of OEM parts as they help maintain the vehicle’s value, performance, and safety.
Jeff Root Licensed Life Insurance Agent
Another misconception is that OEM parts coverage is standard in all car insurance policies. In reality, not all insurance policies include OEM parts coverage by default. It is crucial to review your policy carefully to ensure that it offers this coverage, or consider adding it as an additional coverage option.
Expand your knowledge by reading our: Commonly Misunderstood Insurance Concepts
Pros and Cons of Choosing Car Insurance With OEM Parts Coverage
As with any decision, there are pros and cons to choosing car insurance with OEM parts coverage. The main advantage is that it allows you to restore your vehicle using genuine OEM parts, ensuring the highest quality and matching the original equipment used during manufacturing. This can help maintain the value and performance of your vehicle.
However, one potential drawback is the cost associated with OEM parts coverage. Premium rates for car insurance with OEM parts coverage may be higher compared to policies that only cover aftermarket or non-OEM parts. It is essential to weigh the benefits against the cost and determine if the added expense is worth the peace of mind and protection provided by OEM parts coverage.
Instantly compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool.
Explore further by checking out our: Does State Farm car insurance cover damage caused by a manufacturer defect
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
The Role of Deductibles in Car Insurance With OEM Parts Coverage
Deductibles are an important aspect of car insurance policies, including those with OEM parts coverage. A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. The deductible amount for OEM parts coverage can vary depending on your policy and insurer.
It is important to carefully consider the deductible amount when selecting car insurance with OEM parts coverage. A higher deductible can lower your premium rates but may require you to pay more in case of a claim. On the other hand, a lower deductible may result in higher premium rates but can reduce your out-of-pocket expenses in the event of an accident.
Expand your knowledge by reading our: What is Deductible?
Important Questions to Ask Your Insurance Provider About OEM Parts Coverage
When speaking with your insurance provider about OEM parts coverage, be sure to ask the following questions:
- Does my policy include OEM parts coverage?
- What are the specific terms and conditions of the OEM parts coverage?
- What limitations or exclusions apply to the OEM parts coverage?
- What is the deductible amount for OEM parts coverage?
- Are there any additional benefits or services offered with the OEM parts coverage?
By asking these questions, you can ensure that you have a clear understanding of the OEM parts coverage provided by your insurance policy and can make an informed decision to protect your vehicle.
compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool.
Expand your knowledge by checking out our: How To Identify a Car Insurance Company Using a Policy Number
Case Studies: Unveiling Best Car Insurance Companies for OEM Parts Coverage
Exploring the best car insurance options with a focus on OEM parts coverage? Dive into these case studies to discover how leading insurance providers tailor their offerings to meet diverse needs.
- Case Study #1 – State Farm’s Comprehensive Coverage: John, a 35-year-old professional with an excellent credit score and a clean driving record, sought insurance with a focus on OEM parts coverage. State Farm emerged as the ideal choice, offering him full coverage at a competitive rate of $150 per month. With a blend of reliability and affordability.
- Case Study #2 – USAA’s Tailored Excellence for Military Members: Sarah, a 28-year-old military member, prioritized insurance coverage that aligns with her unique needs. USAA, known for its commitment to military members, provided her with a comprehensive plan at $120 per month. The tailored coverage, coupled with the focus on OEM parts, ensured that Sarah’s vehicle would receive the best possible repairs.
- Case Study #3 – Allstate’s Customized Protection: Lisa, a 40-year-old homeowner with a family, valued customized protection for her car. Allstate, with its reputation for personalized coverage, offered her a comprehensive plan at $160 per month. This coverage not only considered her driving record and mileage but also guaranteed the use of OEM parts for any necessary repairs.
Discover how leading car insurance companies tailor their offerings to prioritize OEM parts coverage through these insightful case studies. Whether you’re a professional, military member, or family-oriented individual, find out which provider aligns best with your unique needs.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Frequently Asked Questions
What is OEM parts coverage in car insurance?
OEM parts coverage in car insurance ensures that your vehicle is repaired using original equipment manufacturer (OEM) parts rather than aftermarket or generic parts. These parts are specifically designed for your car’s make and model.
For additional information, read our: Best Car Insurance by Vehicle
How does OEM parts coverage affect car insurance premiums?
Adding OEM parts coverage to your car insurance policy may increase your premiums. The exact cost will depend on factors such as your insurance provider, vehicle’s make and model, and your personal driving history.
Does every car insurance policy include OEM parts coverage?
No, not all car insurance policies include OEM parts coverage. It is often an optional add-on that you can choose to include in your policy for an additional cost.
Instantly compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool.
Can I choose where my car is repaired with OEM parts coverage?
Some insurance policies allow you to choose your preferred repair shop, while others may have a network of approved repair shops. Check your policy details or ask your insurance provider about repair shop options.
Learn more by reading our: Does my car insurance cover damage caused by a manufacturer defect?
Are there any limitations to OEM parts coverage?
Yes, there may be limitations or conditions attached to OEM parts coverage in your insurance policy. It’s essential to review your policy carefully to understand any restrictions.
Do OEM parts come with a warranty?
Yes, OEM parts often come with warranties provided by the manufacturer. This warranty can offer additional peace of mind regarding the quality and durability of the parts.
Why is OEM parts coverage important?
OEM parts coverage is important because it helps maintain the quality, performance, and safety of your vehicle. Using genuine OEM parts can also preserve your car’s resale value.
Unlock more content by reading our: Full Coverage Car Insurance: A Complete Guide
Is OEM parts coverage worth the extra cost?
The value of OEM parts coverage depends on your preferences and priorities. If you prioritize quality and maintaining your vehicle’s value, OEM parts coverage may be worth the extra cost.
Can I add OEM parts coverage to my existing car insurance policy?
Yes, if your current insurance policy doesn’t include OEM parts coverage, you can usually add it as an optional coverage. Contact your insurance provider to inquire about adding this feature to your policy.
How do I make a claim for OEM parts replacement?
If you need to make a claim for OEM parts replacement, you can contact your insurance provider’s claims department. They will guide you through the claims process, including documentation and repair procedures.
Instantly compare car insurance quotes from the top providers by entering your ZIP code into our free comparison tool.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
