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ForeverCar Vehicle Service Plan

Your dreams matter to us, which is why we are always looking for new ways to help you protect what matters most. Through our exclusive partnership with car repair insurance provider ForeverCar, we keep that promise to you by offering auto repair insurance that keeps you and your dreams going. Our alliance with ForeverCar provides vehicle repair protection with minimal out-of-pocket costs for repairs, and best of all, you’ll get to select the licensed mechanic of your choice to care for your cherished ride.

You already know the peace of mind American Family car insurance brings to you every time you hit the road — protecting you and your passengers on the journey ahead — so what if we sweetened the deal with an optional coverage provided by ForeverCar?

If you find yourself in a situation where you have costly repairs to make on a covered vehicle — due to a covered mechanical breakdown — your ForeverCar subscription can help pay for those repairs. Please be aware that ForeverCar is not yet available in Washington.

Why Do I Need Vehicle Repair Insurance?

Vehicle repairs are expensive, and even maintenance can be costly. If you drive a vehicle with quite a few miles on it, you may be looking at paying hundreds, or even thousands of dollars in out-of-pocket repair costs. With ForeverCar mechanical breakdown insurance, you pay a small deductible of your choosing up to $250 and we take care of the rest.

Through our partnership with ForeverCar, you’ll get a fast, straightforward repair experience at the shop of your choice — and with no long-term contracts. It’s great coverage to help prepare for the unexpected. And you’ll find the peace of mind on the road knowing that your car will be taken care of if something happens.

What’s the difference between a vehicle service plan and an extended warranty?

ForeverCar’s vehicle service plan can provide greater protections and peace of mind than typical manufacturer or extended warranties as the coverage adapts to your needs over time. For example, if you purchase the plan while your car is still under warranty, you fall under the vehicle care benefit level that covers some maintenance items like brake pads, wiper blades, and light bulbs.

After your manufacturer's warranty ends, the coverage shifts to the Platinum level —  a more comprehensive benefit with similar coverage to your manufacturer's warranty. Once your vehicle reaches 105,001 miles the coverage then transitions to the Powertrain level which focuses benefits on the parts that are essential to the movement and operation of the vehicle. 

Car service plans like those provided by ForeverCar offer comprehensive parts and labor coverage in the event of an unexpected breakdown. The contract covers all repair costs after a small deductible is met. Sounds pretty good, right? In addition, during the Platinum and Powertrain coverage levels, vehicle service plans include alternative transportation reimbursement repayment for your rideshare, public transit or rental car so get back to normal while your ride is in the shop.

Typical manufacturer warranties limit coverage to specific auto parts. They call the shots on labor and how repairs are scheduled — all of which make warranties less-than-comprehensive. Additionally, a manufacturer warranty expires after a limited amount of time or miles — but ForeverCar’s vehicle service plan lasts all the way to 225,000 miles, or until your subscription ends.

Why Choose ForeverCar?

Because ForeverCar has your back when your vehicle needs it most. Let’s reexamine some of the benefits of subscribing to ForeverCar:

  • Month-to-month subscription
  • No long-term contracts
  • Discount for American Family policyholders
  • Flexibility to choose the licensed repair shop of your choice
  • Unparalleled vehicle coverage up to 225,000 odometer miles
  • All at an affordable monthly price!

What Is Covered in a ForeverCar Subscription?

Think of a ForeverCar subscription as a car repair insurance program that protects you at any stage of your vehicle ownership experience up to 225,000 miles. This comes with the additional benefit of rental car reimbursement up to $40 a day while your car is in the shop.

Let’s examine the coverage levels a bit closer:

Vehicle Care coverage: Still under manufacturer’s warranty

When does this great coverage kick in? After a 30-day waiting period.

This coverage is in place while your car is still under manufacturer’s warranty. Vehicle Care includes some parts that wear out, like brake pads, headlamps, belts and hoses and windshield wiper blades.

Platinum Coverage: After manufacturer's warranty expires to 105,000 miles

You’ll have coverage for items that are excluded from most powertrain warranties with platinum coverage. From the belts to the hoses, this powerful protection can really help you save. Coverage is active after your manufacturer warranty expires — all the way up to 105,000 miles. And platinum-level coverage includes any mechanical breakdown except listed exclusions in your vehicle service agreement.

Powertrain Coverage: 105,001 to 225,000 miles

In simple terms, powertrain covers the parts of a car that provide power and get it from 105,001 miles until you reach 225,000 miles, at which time your coverage will end. Engines, transmissions and drive axle components can all be eligible for vehicle service plan coverage. This coverage is available for cars with mileage between 105,001 to 225,000 miles.

What is a ForeverCar Subscription and How Much Does It Cost?

You’ll typically pay a fixed monthly payment from $45 to $75 that you may subscribe to until coverage ends at 225,000 odometer miles. Your monthly payment will depend on coverage options, make, model, year and mileage. Your subscription comes with a wide range of coverages that you can customize to meet your needs, including your deductible. Your deductible is your choice with simple, affordable options of $100 and $250.

Ready for more good news? As an American Family customer, you could save up to 44% on a ForeverCar Vehicle Service Plan.*

Here’s what you can expect with a ForeverCar plan:

  • Payment for covered mechanical breakdowns, inside and out
  • Month-to-month payments with no long-term contracts
  • Convenient claims assistance online, by phone, or by email
  • Hands-off repair experience for you
  • Access to certified repair shops you can count on to get the work done right

How Does a ForeverCar Repair Insurance Plan Work?

You start by getting your ForeverCar quote online, by phone or through chat. The choice is yours!

Once purchased, there is a 30-day waiting period. After that, your ForeverCar subscription will be there when you need help.

If you experience a mechanical breakdown, ForeverCar will help find a nearby licensed repair shop and get you back on the road in no time!

ForeverCar eligibility requirements:

Adding ForeverCar to an American Family car insurance policy is quick and easy! Below are some general guidelines for eligibility.

  • Your vehicle must be 10 years old or newer
  • Your car needs to have less than 175,000 miles on it
  • Your vehicle has no known defects or outstanding recalls**
  • Your vehicle is not used for commercial purposes (rental, taxi or other service vehicles such as passengers for hire)
  • You’re not using your vehicle for construction, hauling, snow removal or other strenuous activities

Limitations apply to certain luxury makes and models Audi, BMW, Mercedes-Benz and Jaguar, to name a few. You’ll need to enter the make and model during your quote to determine eligibility.

How to get a ForeverCar vehicle repair plan with American Family:

If you’re not already insured with American Family, you’ll need to start by getting an auto quote and purchasing car insurance. You can get your quote online or by contacting a friendly agent today!

If you’re already insured with us, start your ForeverCar quote online, by phone, or through chat. Your coverage will begin 30 days after you’ve been accepted into the program.

Have questions? We’ve got your answers! Take a look at our ForeverCar FAQs for subscription details.

About ForeverCar

  1. A vehicle service plan can be thought of as a type of mechanical breakdown insurance. It is designed to cover you beyond manufacturer or powertrain warranties. So, after that warranty expires, a vehicle service plan kicks in to take care of you in the event of a covered breakdown.

  2. Auto insurance can be thought of as financial protection after a collision or another covered loss. While your auto insurance policy can provide coverage for bodily injury, property damage and medical payments, it doesn’t typically cover costly events related to mechanical breakdowns that happen outside of a collision or related covered loss.

    ForeverCar’s vehicle service plan helps to keep your car going without breaking the bank.

  3. All you need to begin your car service plan quote is a few minutes time and the ForeverCar quote tool. Get a quote today and start protecting your savings!

  4. When you contact a ForeverCar representative, or get a quote online, you will be provided with available options for your desired level of coverage. Your choice of deductible is a simple $100 or $250.


  1. Your mechanical breakdown insurance will begin 30 days after you’re accepted into the program and can last until you either reach 225,000 odometer miles or cancel your membership.

  2. During the 30-day waiting period, there is no coverage through ForeverCar.

    Depending on your insurance coverage, you may have access to emergency roadside service and towing through your American Family policy. If you don’t have this coverage, reach out to an American Family agent to add this for you.

  3. “Wearables” refer to parts of your car that are more easily worn out due to regular use. Some of the wearables your Vehicle Care coverage will help with:

    • Brake pads
    • Batteries
    • Headlamps
    • Belts and hoses
    • Wiper blades
    • Wheel alignments
    • Electrical components such as fuses, headlamps and light bulbs
  4. After the 30-day waiting period, when your coverage kicks in, vehicles in Platinum and Powertrain coverage will be eligible for alternative transportation reimbursement.

    What this means is that ForeverCar we’ll reimburse you for public transportation, rental car service or rideshare expenses incurred while your vehicle is in the shop. Alternate transportation reimbursement will cover up to $40 per day, for up to 10 days, for work that can’t be completed same day.

  5. Aftermarket parts are not covered with this plan. Speak with a ForeverCar representative to discuss any aftermarket parts you may have on your vehicle when registering.


  1. ForeverCar subscriptions do not include emergency roadside assistance. Please speak to an American Family agent to add this service to your insurance policy.

  2. ForeverCar vehicle service plans work with any licensed repair facility. If you need help finding the right mechanic, reach out to a helpful ForeverCar representative.

  3. You do not need to provide service records for every claim. However, there are some responsibilities a driver has to ensure a smooth claims process:

    • Service your vehicle according to manufacturer’s recommendations
    • Limit your vehicle from further damage during a mechanical breakdown and stop operation as soon as you can
    • Contact your ForeverCar agent at the first sign of mechanical failure


  1. Payment methods for your vehicle service plan include all major credit and debit cards.

  2. The cost of covered repairs will depend on the deductible level you choose — $100 or $250.

    ForeverCar will help cover the rest, up to your coverage maximum.***


  1. Contacting ForeverCar is simple! All you have to do is reach out to a friendly representative anytime by chat, phone or email!

Protect Your Car for the Long Run

Learn about why you should choose American Family to protect your vehicle and get a quote today.

Have further questions? Reach out to a ForeverCar representative or visit ForeverCar’s FAQs page.

To get in touch with ForeverCar, visit the Contact Us page.

*Savings is based on a 2019 analysis of the average savings of the exclusive American Family Insurance price compared to the cost of identical plans at or through the ForeverCar call center.

**Recalls must be serviced at an authorized dealer.

***Maximum liability and aggregate total of all benefits paid or payable under the terms of this Service Contract will be the N.A.D.A. Official Used Car Guide retail value of your vehicle at the instant prior to the most recent loss or $10,000, whichever is less.