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Convenience is the third reason. An independent mechanic's warranty on his car repair is usually good only at his own shop. If you're caught away from home, what good is a warranty for a shop a hundred miles away? On the other hand, national chains are spread across the country, so there are few areas you can travel to where you will be more than an easy drive or a short tow of a shop where your warranty is good. That can save you substantial money. You can also get personalized service at a chain just as easily as at an independent mechanic's.