An extended service contract picks up mechanical and electrical repair coverage after your factory warranty expires. Ford's factory bumper-to-bumper warranty covers 3 years / 36,000 miles; the powertrain warranty covers 5 years / 60,000 miles. An ESP can extend that protection significantly — in some cases up to 7 years or 100,000+ miles depending on the plan selected.

What it typically covers:

• Engine, transmission, and drivetrain components
• Electrical systems, including sensors and modules
• Air conditioning and heating systems
• Fuel system components
• Steering and suspension (on higher-tier plans)
• Roadside assistance and rental car reimbursement (on most plans)

Why it matters: The average out-of-pocket cost for a transmission replacement on an F-150 exceeds $3,500. A single covered repair can more than offset the cost of the contract. ESPs can typically be rolled into your monthly payment, spreading the cost over the life of your loan.

Melloy Ford offers extended service contracts through Zurich, backed by Zurich's A-rated financial strength. Coverage is honored at licensed repair facilities — not limited to a single dealer — which matters if you travel, move, or need service away from Los Lunas.

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

Example: You finance a $45,000 F-150. Eighteen months later it's totaled. Your auto insurer pays actual cash value — say, $38,000. You still owe $42,000 on the loan. Without GAP, you're responsible for the $4,000 difference out of pocket, even though you no longer have a vehicle.

GAP is especially important if you:

• Made a small down payment (under 20%)
• Financed for 60, 72, or 84 months
• Rolled negative equity from a prior trade-in into your new loan
• Are leasing (most lease contracts require GAP coverage)
• Purchased a vehicle that depreciates quickly

Melloy Ford offers GAP coverage through Zurich. GAP purchased through the dealership can be financed into your loan. Compare the dealer cost against your auto insurer's GAP add-on rate — Zurich's dealer-sourced GAP is frequently competitive, particularly when bundled with other protection products.

Once your MelloyCare+ coverage expires at two years, a prepaid maintenance plan keeps your scheduled service costs predictable. Rather than paying for each oil change, tire rotation, and inspection visit out of pocket, you prepay for a defined number of service visits — typically at today's prices — and use them over the next several years.

Typically includes:

• Engine oil and filter changes
• Tire rotations
• Multi-point vehicle inspections
• Cabin and engine air filter replacements (on some plans)
• Wiper blade replacements (on some plans)

Why prepay? Maintenance costs generally increase over time with inflation and labor rates. Locking in today's pricing protects against future increases. The plan also keeps you on a consistent service schedule, which protects your vehicle's resale value and helps maintain warranty compliance on covered components.

Melloy Ford's prepaid maintenance plans are administered through Zurich and can be financed into your loan payment, making routine service a predictable monthly cost rather than an irregular expense.

Tire and wheel protection covers repair or replacement costs when your tires or wheels are damaged by road hazards — potholes, nails, debris, curb strikes, and similar incidents that are explicitly excluded from your factory warranty and most auto insurance policies.

What it covers:

• Tire repair or replacement due to road hazard damage
• Bent, cracked, or curb-damaged wheels/rims
• Mounting, balancing, and disposal fees on covered replacements

Particularly relevant in New Mexico: Road conditions throughout the Albuquerque metro, I-25 corridor, and rural Valencia County roads can be rough on tires and wheels. Replacement costs for factory wheels on newer F-Series, Bronco, and Expedition models frequently run $400–$900 per wheel — a single claim can pay for the plan.

Melloy Ford's tire and wheel protection is underwritten by Zurich.

Appearance protection packages typically combine exterior paint sealant, interior fabric/leather treatment, and windshield protection into a single plan — covering repair or replacement costs for covered cosmetic damage.

May include coverage for:

• Paint chips, scratches, and UV fading
• Interior stains on fabric or leather that resist normal cleaning
• Windshield chip repair
• Dent and ding repair (on some packages)

Particularly useful for buyers who plan to trade or sell the vehicle in 3–5 years, as paint and interior condition are significant factors in resale and trade-in valuation.

Modern Ford vehicles use proximity key fobs and push-button ignition systems. Replacing a lost or damaged key fob through a dealership — the only place that can properly program them — typically costs $300–$500 or more per key depending on the model.

A key replacement plan covers the cost of key/fob replacement and reprogramming for the coverage period, usually with no deductible. Some plans also include a theft deterrent component or reimbursement toward a stolen vehicle deductible.

This is one of the lower-cost protection products and is frequently overlooked — until the moment you need it.