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Auto insurance is an entirely separate coverage that comes into play should you be involved in a collision or affected by an unforeseeable event such as theft or weather damage. A vehicle service contract (VSC) covers the mechanical breakdown of your vehicle, which auto insurance does not.Vehicle Service Contracts cover the mechanical portion of your vehicle, new or leased, which auto insurance does not. Tire & Wheel Protection provides coverage for one of the most critical components that is also one of the most susceptible to damage. car extended warranty For a low monthly rate, these service contracts provide financial protection and peace of mind by covering the cost of unexpected repairs and keeping you on the road.For a low monthly fee, our Vehicle Service Contracts provide financial protection and peace of mind by covering the cost of unexpected repairs and keeping your used car on the road.