What the local data says
Warranty break even in Indiana
Indianapolis is the current source for our Indiana profile. Its independent-shop midpoint of $142 per hour is $6 below the median across our 50 metros.
Dealers in the model sit at $187 per hour. Compared with the independent figure, the $45 hourly gap adds about $360 to eight labor hours.
Heat reaches 90°F on about 20 days across the sample. Freezing conditions appear on roughly 106 days, useful context that still falls well short of a failure forecast.
A fixed-price plan has more room to pay for itself when labor is expensive. That advantage disappears quickly when the agreement reimburses less than local shops charge.