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What's better: OEM or aftermarket?
I have the opportunity to add OEM coverage on my new car. Is it worth it?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“OEM coverage on your
car insurance
is something to consider when insuring a new car, but it does depend on the vehicle.OEM stands for Original Equipment Manufacturer. When on a car insurance policy, it means that your car insurance company will pay for OEM parts. It’s typically additional coverage because OEM parts cost more.
Aftermarket parts aren’t made by the original manufacturer. They’re typically less expensive and more readily available. In most cases, they also function the same as an OEM part.
While it is up to you when deciding what coverage to add, you do need to consider your new vehicle. If you have a warranty through your car company or dealership, you may be required to repair the vehicle with OEM parts. If you choose not to, you may risk voiding your warranty.
Similarly, if you need OEM parts but don’t have the coverage, your car insurance company could require that you pay out of pocket for them. If you’re concerned about that possibility, you should add OEM coverage. Otherwise, there’s nothing wrong with using aftermarket parts on your vehicle.
If you need help finding OEM coverage for cheap, use the
Jerry
app. Jerry is a licensed broker that will get you multiple free quotes from different providers, so that you can choose the best rate for your customized coverage in seconds!”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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