We are not a buying guide. Nobody here will tell you which crossover to purchase. We work the numbers that hit after the purchase — the repair estimate, the coverage quote, the deductible, the recall — and publish what we found.
Pads, rotors, labour, and the three add-ons that turn a routine brake job into a four-figure invoice. Here is the arithmetic, and the questions that shrink it.
By Marisol Trent · Jul 27, 2026
A service contract is defined entirely by what it refuses to pay for. Start at the exclusions page, then work backwards to the price.
Which rating factors genuinely move a premium, which ones only feel like they should, and the four levers worth pulling before you shop.
The 'is it worth fixing' argument has a real answer, and it is not the repair cost versus the car's value. It is cost per remaining year, against the alternative you would actually buy.
Which line items on a service invoice are genuine, which are schedule-driven, which are optional, and the exact sentence that removes the rest.
Signing a teardown authorisation is not agreeing to an inspection. It is agreeing that your vehicle may be handed back in pieces, and that you will pay either way.
An open recall on a used car is not a defect you inherit at your own cost. It is free work the previous owner never booked — but the rules about who may sell it to you are narrower than most buyers assume.
How to get an estimate that means something, what most states require before a shop can bill above it, and why 'we found something else' is often completely legitimate.
The declarations page is the two-page summary of everything your policy actually does. Most drivers have never read theirs properly, and most errors live there.
Almost every argument about cars — repair or replace, buy the coverage or self-insure, raise the deductible or don’t — comes down to filling in these six lines honestly and comparing the total against what a replacement would cost you per year.
We run this worksheet in every piece we publish. The method is the point: put your own numbers in the right column, annualise everything, and the decision usually makes itself.
Read this as a worksheet, not a price list. The desk deliberately ships this blank. Repair and premium figures vary so widely by vehicle, metro, mileage and driver history that a single “average” would mislead more than it helps. Fill it from your own invoices and declarations page.
| Line item | What belongs here | Your figure | Basis |
|---|---|---|---|
| Scheduled maintenance | Oil, filters, fluids, rotations — the book schedule, not the dealer's upsell menu | $ ____ | per 12 mo |
| Wear items coming due | Brakes, tyres, battery, wipers — anything with measurable remaining life | $ ____ | amortised / 12 mo |
| Unscheduled repair reserve | What you set aside for the failure you cannot schedule; rises with age and mileage | $ ____ | per 12 mo |
| Insurance premium | Annualised, at your current deductible — the number on the declarations page | $ ____ | per 12 mo |
| Service contract / warranty | Annualised contract price, if you hold one; enter zero if you self-insure | $ ____ | per 12 mo |
| Registration, inspection, taxes | Jurisdiction-specific and easy to forget until the notice arrives | $ ____ | per 12 mo |
| Annual cost to keep it | $ ____ | per 12 mo | |
Compare against: annual cost of the replacement you would actually buy — payment, insurance delta, and its own maintenance schedule.
One email a week. The week’s costed-out job, one contract read end to end, and the single number we’d act on. No affiliate blasts dressed up as reporting.
Open recalls are repaired free of charge by a franchised dealer, regardless of age, mileage, or how many owners the vehicle has had. We write about what recalls mean — who pays, what a “do not drive” advisory actually requires, how long parts take. We never publish a live recall list, because a static page cannot stay current and a stale safety notice is worse than silence.
Free · official · opens nhtsa.gov
A safety defect or standards non-compliance. Repaired free, no expiry, at any franchised dealer for that make.
A known defect the manufacturer will fix — but often only within a time or mileage window, and rarely advertised.
Repair guidance to technicians. Not free work — but naming the bulletin at the counter changes the diagnosis conversation.
What specific jobs cost in real shops, in real metros — parts, labour hours, and the markup between the estimate and the invoice.
DESK 02Vehicle service contracts and extended warranties held to their own paperwork: what the exclusions actually exclude, and when the math works.
DESK 03How carriers actually price you — mileage, ZIP, credit-based scores, telematics — and which levers move a premium versus which just feel like they should.
DESK 04Open recalls and service campaigns, translated: what the defect is, who pays, and whether it can wait until the next oil change.
DESK 05Line items from real service invoices and F&I menus — what's genuine, what's padding, and the exact language that removes it.
DESK 06The 120,000-mile question. Maintenance that extends a vehicle's economic life, and the point where repair stops beating replacement.