StopRepairBills.com / is this really a business?
I called the number on the "Stop Repair Bills" commercials just to get a quote. I spoke with a male representitive that told me my car would qualify for a warranty at 210k+ miles. He then told me that he might be able to get me a better policy to cover more on my car because i stated nothing was mechanically wrong with it. (which at this point is very true) So, he put me on hold for no more than 2 minutes and comes back stating his supervisor had given the go ahead to put my car on the policy for cars under 200k miles. (he must have talked quickly to relay all that had been said by me) So he says it would be $598 a yr for 5 yrs or $2898 all up front, or a down payment of $295 and $128 a month for 18 months. I told him I had just called for a quote and thanked him for his time. He began with "before you hang up, why not take this today?" I told him i had just paid bills and my debit card was low and i couldn't do it at that time. Then i was told, " hold on and i'll see if i can get that payment lowered and get you started". A second man gets on the phone this time. He explains he's a supervisor and the representitive had explained the situation and wanted him to see what he could do about lowering the deposit. Yet again i told this man i had only called for a quote. After explaining the money situation again he asks "How much do you have?" So i told him $80. He then came back with i can do it today for only $75. I said i'd have to talk to my husband. He said he'd wait. I told him my husband was at work. "then call him..." I tried to explain to him that if i did that he would probly get fired, extended warranties are not an emergency... "Then give me his work number and i'll call him..." WTH?!? I kept telling this guy no but he kept pushing. I told him i'd call back after talking to my husband and just pay the $295 deposit. This was his response, "Well, if you hang up now and don't take this policy then it won't be available later. This is your only chance to take advantage of this." So, i apologized for being rude right before i hung up the phone on him.
Granted car repair bills can be expensive, but by no means have i ever encountered a repair shop that charges $120-190 an hour for labor on the east coast as the second man i spoke with had stated. The Acura dealership near my home only charges $50 an hour. My point is this, I would rather search around for a price that i wanted to pay for future repair bills than give these people any of my money. If they were reputable they wouldn't have to be so pushy or say things like "this is your only chance to get this at all".
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