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A Full Guide On Car Repair Estimates & What To Do When Your Car Needs Some Fixing

Published on
May 16, 2023

Car repairs can be a big expense, and many people lose hundreds or even thousands of dollars by not doing their research before getting their vehicle serviced. In this full guide, we'll explore car repair estimates, including understanding how they work, finding respected auto repair shops, negotiating costs, and making informed decisions about maintenance. By equipping yourself with this info, you'll be better prepped to tackle car repairs head-on and potentially save yourself some money.

Since this is a full guide, you’ll want to bookmark this to reference it in the future. Skim through the info below and find what you’re looking for.

How Does a Car Repair Estimate Work At an Auto Body Shop?

In this section, we'll explore the process of obtaining a car repair estimate, from involving your insurance company to understanding the role of auto body shop expertise in determining the cost of repairs, and more.

Going Through Your Car Insurance Company

When your car needs repair, contacting your insurance company is usually the first step. They can help you determine if the damage is covered under your policy. If so, they may recommend a preferred auto body shop or give you a list of approved repair facilities. Keep in mind that you may also have the option to choose your own repair shop.

Insurance Review Process

Once your insurance company is involved, they'll typically contact an adjuster to assess the damage. The adjuster will estimate the repair cost based on the seriousness of the damage and the parts and labor required. It's important to review their estimate and make sure it matches your understanding of the repairs needed, as mistakes or errors can impact your coverage and out-of-pocket costs.

Your Insurance Policy

Understanding the details of your insurance policy is also important when dealing with car repairs. Knowing your deductible and coverage limits can help you avoid surprises when it's time to pay for repairs. Additionally, understanding the difference between collision, comprehensive, and liability coverage can be helpful in determining what repairs your policy actually covers.

Going Through Approved (In-Network) Auto Body Shops

Insurance companies often have a network of approved auto body shops, which have met certain quality and service standards. Going through an approved shop can speed up the repair process, as they are more likely to have established relationships with insurance companies. However, you may still have the option to choose your own repair shop outside your car insurance company’s approved network.

Where to Go for Car Maintenance and Repairs

Discover how to find a respected auto repair shop and what factors to consider when choosing the right mechanic for your car maintenance and repair needs.

What you should look for in finding a good repair shop

When searching for a reliable repair shop, consider factors such as location, reputation, and certifications. Look for shops with positive reviews from past customers and a track record of success.

You’ll also want to consider their expertise in repairing your specific make and model. Some shops may specialize in certain types of vehicles or repairs. Additionally, look for shops that have Automotive Service Excellence (ASE)-certified technicians, as this certification shows a technician's knowledge and skill in auto repair.

Once you've narrowed down your options, visit the shop in person to assess its cleanliness and organization. A good mechanic will also be willing to answer your questions and provide a written estimate before beginning any work.

Repair Process

Once you've chosen a repair shop and mechanic, they'll begin the repair process. This typically involves assessing the damage, ordering any necessary parts, and completing the repairs. Keep in touch with the repair shop throughout the process to receive updates on the progress and any potential changes to the repair timeline or estimate.

What Should a Car Repair Estimate Include?

Here, you'll learn about the details of a car repair estimate, including diagnostic information, proposed solutions, and a detailed breakdown of parts and labor costs.

What Is Going On With the Vehicle?

A car repair estimate should provide a clear description of the problem your vehicle is experiencing. This includes the specific parts affected and any contributing factors to the issue. Providing an accurate diagnosis is important for determining the necessary repairs and preventing further damage to your vehicle.

A car repair estimate should itemize the costs of parts and labor required to complete the repair. This breakdown allows you to understand how much you're paying for each component and can help you compare estimates from different repair shops. Be sure to ask if the parts being used are new, used, or aftermarket, as this can impact the cost and quality of the repair.

When the Repair Shop Will Contact You

The repair estimate should also provide a timeline for when the shop will contact you with updates or to discuss any changes in the estimate. Having a clear communication plan helps you stay informed about your car's repair progress and any potential delays or additional costs. It also allows you to plan for alternate transportation while your car is being repaired.

5 Steps to Negotiate a Better Price for Car Repairs

In this section, we'll outline five strategies you can use to negotiate lower prices on car repairs, from understanding the issue to exploring financing options.

1. Understand the issue

Before negotiating a better price for car repairs, make sure you have a clear understanding of the problems your car is experiencing. Educating yourself on the issue will allow you to have a more informed discussion with the repair shop, making it more difficult for them to overcharge or perform unnecessary repairs.

2. Leverage the facts

Use your knowledge of the issue to discuss the repair costs with the mechanic. Reference industry standards for labor rates and part costs, and consider obtaining a second opinion if the initial estimate seems high. Being well-informed gives you leverage in negotiations and helps get you a fair price for the repairs.

3. Get quotes from the competition

Request estimates from multiple repair shops to compare prices and services. This information can be used as a bargaining tool to negotiate a better price with your preferred repair shop. Keep in mind that the cheapest estimate may not always be the best option, as quality and expertise should also factor into your decision (as mentioned above).

4. Offer to provide the parts yourself

In some cases, you may be able to save money on repairs by providing the necessary parts yourself. Research part costs online or at local auto parts stores to determine if this option is more cost-effective. However, be aware that some repair shops may be hesitant to use customer-supplied parts due to warranty or liability concerns. This is a way to save money, however, it should only be used for minor repairs (i.e. a side mirror got broken).

5. Get car repair financing

If you're unable to negotiate a lower repair cost, consider exploring financing options to help cover the expense. Some repair shops offer in-house financing, or you may be able to use a credit card or personal loan to pay for the repairs. Be sure to carefully review the terms and interest rates associated with these options to avoid additional costs.

Maintaining Your New Vehicle

Discover the importance of regular maintenance and how to keep your new vehicle in top condition, ensuring a long-lasting and enjoyable driving experience.

Inspecting the Repair Work

After your vehicle has been repaired, it's essential to inspect the repair work to make sure it meets your expectations and the shop's quality standards. Check for any visible imperfections, such as uneven paint or gaps in panel alignment, and address any concerns with the repair shop before taking your vehicle home.

It’s your job to triple-check the work they did and don’t be afraid to bring a friend or family member just to get a second pair of eyes looking at your car.

Regular Maintenance and Inspections

To keep your new vehicle in good condition, it's important to perform regular maintenance and inspections. This includes oil changes, tire rotations, and checking fluid levels. Regular maintenance will help reduce the risk of unexpected breakdowns.

Keeping Service Records

Keeping organized service records can help confirm that your vehicle has been well cared for, which may increase its resale value. Store receipts for repairs, maintenance, and any replaced parts in a specific folder at home in a drawer or on your computer..

Following the Manufacturer's Maintenance Schedule

Each vehicle comes with a manufacturer's recommended maintenance schedule, which outlines the specific services and inspections required at various mileage intervals. Following this schedule can help maintain your vehicle's performance, fuel efficiency, and overall value.

Stay Informed About Vehicle Recalls

Staying informed about vehicle recalls can help ensure the safety and reliability of your vehicle. Manufacturers will typically notify owners of recalled vehicles by mail, but it's also a good idea to regularly check the National Highway Traffic Safety Administration's (NHTSA) recall database for updates.

Preparing for Future Vehicle Repairs

Learn how to plan and prepare for future vehicle repairs, including setting aside funds and establishing a relationship with a trusted mechanic.

Setting Aside an Emergency Fund

Creating a backup fund for any surprise car fixes can keep money worries at bay and help you make smart choices when out-of-the-blue issues pop up. Try to stash away at least three to six months of living expenses in a separate, easy-to-reach account.

Regularly Evaluating Your Vehicle's Value

Regularly evaluating your vehicle's value can help you make informed decisions about repairs and maintenance. Consider factors such as the age, mileage, and overall condition of your vehicle when determining its value. Online resources, such as Kelley Blue Book, can provide a helpful reference point for estimating your car's current market value.

Upgrading Your Car Insurance

Upgrading your car insurance can provide additional financial protection in the event of an accident or unexpected repair. Consider adding optional coverages, such as comprehensive or collision coverage, to your existing policy to help cover the cost of repairs or replacement.

Understanding Your Vehicle's Warranty

Researching extended warranties can help you determine if purchasing additional coverage is right for your situation. Extended warranties can provide peace of mind and financial protection in the event of unexpected repairs, but don’t forget to carefully read the terms and conditions to understand what is and isn't covered.

Figuring Out If Your Car is Worth Repairing

Deciding whether a car is worth fixing involves considering factors such as the vehicle's age, mileage, overall condition, and the repair costs you get from an auto body shop. Compare the cost of repairs to the car's market value, and consider whether investing in repairs will extend its life or improve its performance. If repair costs exceed the car's value, it may be more economical to replace the vehicle. If investing in a new or used car would provide greater reliability and lower long-term expenses, it may be time to stop repairing the old vehicle.

Sell Your Car That Isn’t Worth Fixing

Deciding whether to repair or sell your car depends on factors such as repair costs, market value, and the likelihood of future breakdowns. Options for selling a car that isn't worth repairing include online marketplaces, local classified ads, salvage yards, and scrap metal dealers. Some buyers may be interested in purchasing the vehicle for parts or restoration, while others may simply want to recycle the materials.

Consider the potential return on investment when choosing the best option for selling your damaged car. And don’t forget that you should be prepared to negotiate on price and have all relevant documentation, such as the title and maintenance records, available for the buyer.

Other Alternatives to Repairing a Car That Isn't Worth Fixing

Explore different options for dealing with a car that isn't worth repairing, such as trading it in, donating it, or recycling it.

Donate Your Car

Donating your car to a nonprofit organization is an alternative to repairing a vehicle that isn't worth fixing. Many charities accept vehicles in any condition and may provide a tax deduction based on the vehicle's value. Some organizations may even arrange for free towing or transportation of the donated vehicle.

Trade-In Your Car

Trading in your damaged car is another option if it isn't worth repairing. Many dealerships accept trade-ins and may offer a credit towards the purchase of a new or used vehicle. Keep in mind that the trade-in value of a damaged car may be significantly lower than that of a fully functional vehicle.

Part Out Your Car

Parting out your car involves selling individual components or parts rather than the entire vehicle. This option can be more time-consuming, but it may yield a higher return on investment, especially if certain parts are in high demand. Be prepared to dismantle the car yourself or work with a professional who can help you identify valuable components and ensure safe removal.

Recycle Your Car

Recycling your car is an environmentally friendly option for disposing of a vehicle that isn't worth repairing. Scrap metal yards and recycling centers may purchase the car for the value of its materials, such as steel, aluminum, and other metals. Some centers may also recycle automotive fluids, batteries, and other potentially hazardous materials.

Now Your Prepped For The Unexpected

Understanding how car repair estimates work and deciding whether to repair or replace your vehicle can be a complex process. To decide which car to buy, evaluate factors like repair costs, maintenance expenses, and car value. Buying a new car allows you to create new memories and have the latest technology and performance. Remember to maintain your new vehicle with regular inspections and quality parts, giving you a long-lasting and enjoyable driving experience.

About the Author: This article was crafted by the LOOP Marketing Team. Comprising of seasoned professionals with expertise in the insurance industry, our team is dedicated to providing readers with accurate, up-to-date, and valuable information. At LOOP, we're passionate about helping families navigate the world of car insurance, ensuring they get the best coverage at the most affordable rates. Learn more about our mission and values here.

For more insights on auto insurance and other related topics, visit our blog.

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