Finance Center

An extended service contract helps cover mechanical and electrical repairs after your factory warranty expires. Factory warranty coverage varies by vehicle and component, but an extended protection plan can continue that coverage well into the years and miles ahead.

What it typically covers:

• Engine, transmission, and drivetrain components
• Electrical systems, sensors, and modules
• Air conditioning and heating systems
• Fuel system components
• Steering and suspension on higher-level plans
• Roadside assistance and rental benefits on many plans

Why it matters: Major repairs on modern vehicles can get expensive quickly. A single covered repair on a Ram 1500, Jeep Grand Cherokee, Wrangler, or Dodge Durango can easily outweigh the cost of the contract. These plans can often be included in your monthly payment.

Melloy CJDR offers extended service contracts through Zurich. Coverage is honored at licensed repair facilities, which matters if you travel, relocate, or need service away from Los Lunas.

GAP helps cover the difference between what you owe on your vehicle loan and what your auto insurance pays if your vehicle is declared a total loss due to accident, theft, or natural disaster.

Example: You finance a $45,000 Ram 1500. A year and a half later, it is totaled. Your insurance company pays actual cash value, but you still owe more than that on the loan. GAP helps protect you from paying that difference out of pocket.

GAP is especially important if you:

• Made a small down payment
• Financed for 60, 72, or 84 months
• Rolled negative equity into the new loan
• Lease your vehicle
• Purchased a vehicle with faster depreciation in the early years

Melloy CJDR offers GAP coverage through Zurich. In many cases, GAP can be included in your financing, making it easier to protect yourself without a large upfront cost.

Once your included MelloyCare+ maintenance period ends, a prepaid maintenance plan can help keep your service costs predictable. Rather than paying for each visit individually, you prepay for a defined number of routine maintenance services at today’s pricing.

Typically includes:

• Engine oil and filter changes
• Tire rotations
• Multi-point inspections
• Air filter replacements on some plans
• Wiper blade replacements on some plans

Why prepay? Labor and maintenance costs rarely get cheaper. Locking in service pricing can help you budget better, maintain a consistent service history, and support long-term vehicle value.

Melloy CJDR’s prepaid maintenance plans are administered through Zurich and can often be included in your monthly payment.

Tire and wheel protection helps cover repair or replacement costs when your tires or wheels are damaged by potholes, nails, debris, or other road hazards that are not covered by your factory warranty and often not worth filing through traditional insurance.

What it covers:

• Tire repair or replacement from road hazard damage
• Bent or cracked wheels
• Mounting, balancing, and disposal fees on covered replacements

Particularly relevant in New Mexico: Roads around Albuquerque, Los Lunas, and throughout Valencia County can be rough on tires and wheels. Replacement costs on newer Jeep and Ram wheel packages can add up quickly.

Melloy CJDR’s tire and wheel protection is underwritten by Zurich.

Appearance protection packages typically combine exterior treatment, interior protection, and cosmetic repair coverage into one plan. These products are designed to help protect your vehicle from the wear that comes with daily driving and ownership.

May include coverage for:

• Paint chips, scratches, and fading
• Interior stains on fabric or leather
• Windshield chip repair
• Dent and ding repair on some packages

This can be especially useful for buyers who plan to trade or sell in a few years, since vehicle condition affects trade value and resale appeal.

Modern Jeep, Ram, Dodge, and Chrysler vehicles use advanced keys and fobs that can be expensive to replace and program. Replacing a lost or damaged key can cost hundreds of dollars depending on the model and equipment.

A key replacement plan helps cover the cost of replacement and reprogramming during the coverage period. Some plans also include theft-related benefits or deductible reimbursement.

This is one of those products people ignore right up until the exact moment they need it.