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      March 31, 2020

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Best Auto Warranty Plans Better Business Bureau Reliability Seal

Best Auto Warranty Plans

Where is the best place to get an auto warranty plan? When you purchase a new car, an auto warranty is usually an optional purchase along with it. This is a good choice for vehicle owners who want to spend a little extra each month or in one lump sum for peace of mind about dealing with potential vehicle issues down the road (no pun intended). Generally, a warranty extends for a certain number of years or until the vehicle reaches a specific number of miles.

Heaven forbid you have an engine blowout, faulty brake system, electrical issue, or steering malfunction as you're cruising along in your car. If this were the case, a big concern for you (besides your safety) would be the thousands of dollars it could cost to get these major issues repaired. Whether your vehicle is brand new or a few years old, unfortunately things go wrong with cars that you can never predict.

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Best Reviews

2020

Auto Warranty Reviews

5 stars
CARCHEX

CARCHEX

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TopConsumerReviews.com Best-In-Class Blue Ribbon Award CARCHEX offers vehicle protection, inspections, auto insurance, auto finance, and roadside assistance. They have been featured by national media outlets such as ABC, Fox News, CBS, NBC, and PBS as an industry expert in consumer automotive protection. Their brand promise is "Customer Experience Above All" which shines through with their friendly customer service representatives and overall satisfaction from customers.

For vehicle protection plans, like some of their competitors, CARCHEX asks for vehicle information, then personal information to send customers a quote for warranty services. Once submitted, you will be asked for your street address and vehicle VIN number. Customer service will call you right away to go over plan options. If you don't receive a phone call, you can call them or do a live chat.

CARCHEX offers five coverage plans to choose from:

  • Titanium Coverage: highest level of coverage commonly referred to as "bumper-to-bumper"
  • Platinum Coverage: highest level of stated-component coverage that covers all major systems in the vehicle
  • Gold Coverage: A good fit for vehicles over 60,000 miles that covers all major systems in the vehicle with flexible terms and prices
  • Silver Coverage: Essential coverage for major systems in the vehicle
  • Bronze Coverage: Protects against the most common and expensive vehicle repairs to the engine and transmission

All CARCHEX plans come with 24/7 roadside assistance, towing, rental cars, gas delivery, and trip interruption service. Customers choose any licensed repair facility in the United States including national chains such as Pep Boys, Goodyear and Firestone or even a dealer. The chosen repair facility diagnoses the vehicle before making repairs and submits information to the extended warranty provider's claims department for approval. Once the claim is approved, the repair facility completes the repair and payment is made by the extended warranty provider.

CARCHEX has a "no haggle" low price, everyday guarantee. They offer a 30-day money back guarantee in case customers are unsatisfied with their chosen plan. You can even reach out to the CEO, Jason Goldsmith, directly by emailing him if you have additional questions or concerns, which is something impressive that we don't typically see.

CARCHEX receives an A+ rating by the Better Business Bureau and receives high praise from many customers who have used their services. Not only do they have access to an impressive variety of auto warranty plans, pricing, and companies, but also an easy-to-use platform that caters to those looking for a fast auto warranty solution. They earn our highest rating.

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5 stars
TOCO WARRANTY

TOCO WARRANTY

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Toco Warranty has been featured on Fox News, ESPN, Hallmark, Game Show Network, MLB Network, ION television, MTV, National Geographic and many other media outlets. Hundreds of customers would attest to the professional, clear, and reliable vehicle coverage services they provide. At this time, it is unfortunate that they are not available in Alaska, Missouri, and Washington because their instant quotes and straightforward plans have earned Toco Warranty our highest rating among auto warranty services.

When you reach the Toco Warranty website, a live support chat bubble pops up allowing customers to talk with a representative right away. We appreciate the customer-oriented layout that does not assume all customers know what they are looking for and need. Even without chatting with customer support, you'll be able to find clear guidance about the plans, pricing, and procedures throughout the web pages of Toco Warranty's website.

Four simple plans are provided through Toco Warranty. It is easy to know which one to choose based on the year and mileage of your car:

  • Blue Plan: 2000 or newer with 100k - 175k miles
  • Green Plan: 2011 or newer with 60k - 100k miles
  • Yellow Plan: 2011 or newer with 60k - 100k miles (coverage extends beyond green plan)
  • Orange Plan: 2016 or newer with 0k - 60k miles

For all of these plans, Toco Warranty requires no down payment, affordable monthly payments, pay as you go, simple claims processes, and the ability to use any licensed repair shop. Coverage typically goes into effect after 30 days or 1,000 miles.

What we are most excited and impressed with at Toco Warranty is the simplicity of getting a coverage quote. You'll provide vehicle information (they actually have a fully accurate and updated list for newer vehicle models, unlike some competitors) and answer some questions about your car. The quote form is more thorough than any others we have seen by asking things like the number of miles you drive each year, purposes for driving (commercial vs. non-commercial), if you've made modifications to your vehicle, if you've been in an accident, etc.

These questions are specific to your vehicle and allow Toco Warranty to provide you with an instant quote. Hallelujah! We were pumped not to have to wait for a phone call or email and to be able to chat with customer service about plan details, contract length, number of monthly payments, per-visit deductible, the waiting period, and estimated monthly payments. All of it was outlined clearly right after we submitted our information, which we really appreciated.

It is not surprising that Toco Warranty receives an A+ rating from the Better Business Bureau. Navigating through their website and viewing their plan details make it obvious enough that this is a customer-friendly, clear cut auto warranty service that doesn't play games. The hundreds of customers who give positive customer feedback also make us confident in giving Toco Warranty a tie with our highest rating among auto warranty coverage services.

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4.5 stars
Concord Auto Protect

CONCORD AUTO PROTECT

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Concord Auto Protect is a car warranty provider located in Pennsylvania. They aim to increase longevity and sustainability of vehicles that have continually declining life expectancies. They offer zero interest payment plans and various protection plans to fit specific vehicles and budgets. Concord has been featured by Fox, CBS, NBC, ABC, and StarTribune as a professional and reliable vehicle warranty service.

Concord offers three plans viewable in a simple chart on their website. All of them include coverage for things like the 24/7 roadside assistance, rental car, towing, locksmith, transmission, engine, drive axles, brakes, electrical, cooling, and battery. Their lowest tier is their powertrain plan, which covers the basic essentials for auto repairs on the transmission and engine. Their next highest plan is the advanced plan that works like an inclusionary warranty including AWD/4x4 and steering. The highest and most comprehensive plan is the premium plan (think bumper-to-bumper).

Similar to many vehicle warranty services, a form is provided on the Concord website where interested customers fill out vehicle and contact information. Something we noticed is that they only have options for vehicles made in the previous model year and older. Some competitors offer plans for vehicles made in the current and future model year. Concord customer service representatives then review the submitted information and call customers with a quote. Support is available 24/7 for customers with additional questions or concerns about the different plan options. Other ways to communicate include a client login, online form, email, and/or Facebook chat.

Since Concord was founded in 2014, they have gained a customer base that mostly reports very positive experiences with their services. Hundreds of customers have given positive feedback about Concord and the Better Business Bureau gives them an A- rating. Their three coverage plans are straightforward and transparent as to what exactly they cover for repairs. We are impressed with Concord and feel confident in recommending them as one of our highest-ranked auto warranty services.

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4 stars
1 800 Warranty

1 800 WARRANTY

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Using 1 800 Warranty's website to navigate your vehicle coverage needs is a breeze. They have a simple, straightforward platform that makes it easy for anyone to understand the process and importance of purchasing a service contract for vehicle protection. A phone number, contact form, and physical address is provided for customers who need additional questions answered about buying their service contract. We like that 1 800 Warranty's services are so clear and user-friendly.

Even though 1 800 Warranty literally has "warranty" in their name, they don't think of themselves as a warranty company, but rather a service contract provider. Since a warranty is included in the price of your vehicle, a service contract is voluntarily purchased to protect your vehicle after the factory warranty expires. Rather than waiting out the factory warranty to get a service contract, 1 800 Warranty suggests getting a service contract sooner rather than later to ensure lower prices and peace of mind knowing that you have better, more comprehensive coverage for your vehicle.

1 800 Warranty provides service contracts for vehicles made in 2000 or newer with up to 250,000 miles on their odometer. They do not provide the actual service contracts themselves, but they work with third-party companies to provide the vehicle warranties. These coverage plans may include basic powertrain or full comprehensive repairs. Customers can choose a plan that includes 24/7 roadside assistance, rental car coverage, and/or towing coverage.

1 800 Warranty has a 6-step process for buying a service contract:

  • Step 1: Select "Get a Quote" and provide 1800Warranty with your vehicle info
  • Step 2: 1800 Warranty works through available options and selects plans that will work the best for you
  • Step 3: Customers will confirm vehicle details like mileage and VIN number
  • Step 4: Make a down payment
  • Step 5: Customers will receive a welcome packet that contains all the information they will need about their auto warranty plan
  • Step 6: "Drive Worry Free"

To receive a quote, you'll provide the year, make, model, and vehicle mileage of the car you want a service contract for. You'll be asked to give your name, number, email address, and state of residence. After this information has been given, a 1 800 Warranty representative will either call or email you with a quote. Once a quote is chosen and plan details are made, 1 800 Warranty offers a 30-day money back guarantee if you change your mind about the plan you've signed up for. You'll be refunded entirely.

The process for filing a claim through 1 800 Warranty is transparent and frequently referred to on the website. Part of the 6-step process for signing up for a plan was receiving a welcome packet, which we suggest keeping in the vehicle at all times. If customers refer to this, they will find the numbers to call if their car breaks down. Roadside assistance can help if the car is undriveable, or customers should drive their car to their local ASE certified mechanic. At the mechanic, customers will let them know they have a service plan and provide them with the welcome packet. This lets the mechanic know what is covered under your plan, so once the vehicle is fixed it can be easily picked up and customers will pay the deductible that was contracted through their plan.

We really appreciate the ease of which customers can receive information about the process for purchasing a service contract through 1 800 Warranty. Getting a quote is as simple as learning how to file a claim - both look to be a walk in the park. Of course, the details of choosing a service plan are a bit more complex once you receive a quote and read the fine print, but getting to that point is easy with 1 800 Warranty. Customers who want to avoid confusion about how service contracts work will be happy to find clarity at 1 800 Warranty.

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2.5 stars
AA Auto Protection

AA AUTO PROTECTION

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Since 2003, AA Auto Protection has been working to match customers with vehicle warranties within their budgets. AA Auto Protection is a broker, so they connect you to outside companies that underwrite the warranties they sell. Once customers have worked out all the details, coverage can start immediately with monthly payment plans. AA Auto Protection advertises low down payments, no fees, no credit checks, and instant qualification.

AA Auto Protection offers six different extended warranty plans to choose from. They include coverage for different parts of the vehicle. The more expensive plans cover extensive areas like the air conditioning, electrical components, seals and gaskets, while the more inexpensive plans cover the basics of the vehicle like the engine, transmission, drivetrain, steering, and suspension. However, most all plans include roadside care should you break down and need towing, help changing a flat tire, opening a locked door, gasoline delivery, etc.

The FAQ section of the website might prove useful to people who are less familiar with the ins and outs of warranties. Unlike some of our higher-rated vehicle warranty services, AA Auto Service has a wordier site that isn't as straightforward. However, if you're interested in reading the fine print, each plan thoroughly goes over what is covered with it and allows you to view a sample of what the contract looks like.

The instant quotes advertised by AA Auto Protection are not so instant because once you provide information about yourself and your vehicle, you get an email asking for additional information by calling a toll-free number. This seems more like a pain than anything. We wish we were able to view quotes without having to talk to salespeople or customer service. To really sort through information and make a thoughtful decision, it is often best to have the information presented to review before speaking to someone over the phone. They pledge not to sell, rent or share any personal information with a third party, which is good to know.

AA Auto Protection says they have an A rating by the Better Business Bureau (BBB), but last we checked it was a B- and at the time of this review, their BBB profile was under review and did not show a rating at all. Their most recent blog posts were from 2017, so it seems that some of the information on the website is outdated. This could be a red flag if they are making changes to their policies or plans without updating it on the website.

Overall, we found AA Auto Protection to be mediocre. They do provide vehicle warranty plans that should allow customers to find good coverage that meets their price point. We like that the plans come with 24/7 roadside assistance and a 30-day money back guarantee in case you are unsatisfied with the plan you've chosen. If you're willing to get most of your information via a customer service representative, AA Auto Protection makes a good warranty provider.

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2.5 stars
CarShield

CARSHIELD

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CarShield was formed in 2005 and proudly boasts that they have covered over 1 million vehicles and have paid over 1 billion dollars in claims. They have been featured on ESPN, Inc. 5000, HGTV, CNN, CNBC, TBS, and other channels and websites. Customers can browse their professional website for plan information, FAQ, a glossary of terms, and an education center with tips and insights on vehicle protection.

Six coverage plans are available through CarShield. They include:

  • New Car Diamond: Total New Car Coverage (similar to manufacturers' new car warranty covering everything from engine and transmission failure to starter and fuel pump breakdowns)
  • Platinum: Comprehensive Coverage (best option for high mileage vehicles and covers the engine, transmission, AC, electrical system, water and fuel pump, starter, and more)
  • Gold: Powertrain Plus (covers major and minor vehicle parts including engine transmission, water, pump, A/C, starter, and more)
  • Silver: Power Train (most affordable policy that covers critical vehicle parts like transmission, water pump, and all lubricated engine parts)
  • High Tech: Specialty Coverage (covers most electrical and computer parts including starter, alternator, navigation/GPS, engine control module, and more)
  • Specialty: Other Coverage (contracts for special circumstances or other vehicles like motorcycles)

Most contracts through CarShield provide 24/7 roadside assistance in case your vehicle has an issue while driving as well as rental car services while your vehicle is being fixed. All contracts include towing services.

To receive a quote for any given coverage plan, customers will be asked to fill out an online form and provide the year, make, model, and mileage of their vehicle along with their contact information. By submitting the form, CarShield receives consent to contact customers by phone, text, or email to go over pricing information. We did notice that when filling out this online form, some newer vehicle options were missing from the dropdown list. This could be a simple error on the part of CarShield, but it would affect new car owners looking to get an extended warranty on their vehicles. If this is the case for you, we suggest giving them a call to see if they will cover your specific vehicle.

Most third-party sites have customers with mixed, but overall good things to say about their experience with vehicle coverage through CarShield. We will note, however, that the Better Business Bureau gives an F rating to CarShield due to hundreds of customer complaints. At the time of this review, an alert was posted for this business warning customers to use caution when considering doing business with CarShield. Customers who have posted elsewhere have mixed things to say about CarShield. Most people who have positive things to say refer to the good experiences they have with customer service, while those who are upset claim there are discrepancies in coverage and a lack of transparency about processes.

From what we have experienced with CarShield, we think they are a good choice for extended vehicle coverage. If you take the time to read your contract terms and really understand what you are getting by paying for a plan through CarShield, you shouldn't find yourself surprised when something isn't covered. We didn't find anywhere that states CarShield has a money-back guarantee, so we suggest doing your homework before deciding to move forward with vehicle coverage from them. Thousands of customers have been happy with CarShield's services and we think that this will continue to be the case for those who carefully choose their plan.

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2 stars
Endurance

ENDURANCE

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Endurance was founded in 2006 and boasts that they aim to be the most customer-driven company in the industry. We will say upfront that customer feedback about their experience with Endurance is very mixed. Some customers feel like Endurance was attentive to their needs, friendly, and has a reliable claim submission process. Others report having a difficult time cancelling their plan, aggressive phone conversations with customer service trying to sell them coverage, and a hard time getting a hold of the claims department for help with their vehicle repairs. It is not unusual for a company to have both positive and negative feedback from their customers, but the F rating Endurance receives from the Better Business Bureau leaves us feeling unsettled about their services.

To receive a quote through Endurance, customers will fill out a form with the make, model, mileage, and year of their vehicle along with personal contact information. By submitting this form, you give Endurance permission to either call, text, or email you with information on an auto warranty quote. Typically, a phone call will come through with a customer service representative ready to discuss coverage details with you.

There are five different auto warranty plans that can be purchased through Endurance, most of which range from 3 - 7 years. These include Select Premier (for high mileage vehicles), Secure (most affordable), Secure Plus (has the shortest wait period), Superior (most component coverage), and Supreme (exclusionary coverage). A simple chart can be viewed on Endurance's website that highlights the main differences between the five plans. For complete coverage details, we suggest reading your contract thoroughly. Most plans are administered directly by Endurance. Once the plan has been purchased, you will likely continue to work through Endurance for claims and questions rather than an outside provider.

With each auto warranty plan through Endurance comes the Endurance Elite Membership which includes:

  • 24/7 roadside assistance
  • Personal help with reservations, tickets, emergencies, and directions
  • ID theft recovery from tools that help repair damage from identity thieves
  • Additional discounts of $250 to spend with Endurance partners and discounts to select merchants
  • Key fob replacement
  • Repair financing of up to $5,000 in loans
  • Tire coverage that reimburses you up to 2 repaired or replaced tires per year

One of the ways Endurance strives to prove their genuine care for customers is by offering support and advice through the repair process if something happens to your vehicle that wasn't covered by your plan. In addition, they let customers have access to their team of retired mechanics that can work with your chosen mechanic to ensure you get the best deal on repairs and don't get taken advantage of.

Despite the good plan options, the company has a slew of negative comments and the worst possible rating from the BBB. This raises many red flags that should be heavily taken into consideration when going through the plan options. We suggest reviewing in detail all the contract options for yourself before pulling the trigger on purchasing vehicle warranty coverage here.

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Continued from above

Auto warranties make it so that vehicle owners pay a contracted price much lower than the total cost of a major repair to ensure that if a big issue arises, the costs for fixing the vehicle will be covered. Some major repairs that might be covered under warranty include transmission, engine, powertrain, heating/cooling, and other necessary vehicle parts.

Before choosing an auto warranty plan, we suggest you keep the following criteria in mind:

  • Price. Consider the plans of a few different auto warranty plans. How do they compare cost-wise? Make sure the price of the plan will be worth it if you are paying for the warranty a few years before needing to get repairs covered.
  • Coverage. Make sure you know exactly what is covered under the auto warranty. You don't want to deal with a common vehicle issue and find out it wasn't included under the warranty you've been paying for.
  • Reputation. How smooth is the process for submitting a claim? When you have an auto warranty claim, will they stand behind you? Have they been in business with happy customers long enough for you to know they will still be around for a while?

To help you identify the best auto warranty plan, TopConsumerReviews.com has reviewed and ranked a variety of options. We hope this information helps you find the auto warranty plan that fits your needs!

The Basics of Auto Warranties

Cars are expensive investments, whether you like to purchase new or pre-owned. In protecting that investment and to avoid future repair expenses on your car, you may want to consider purchasing an auto warranty.

Most new and some used cars are covered by some sort of warranty when purchased. For example, new cars are usually covered by a manufacturer's warranty. These warranties vary greatly and are limited in duration. They may cover a variety of repairs until either a time limit or mileage limit such as three years or 36,000 miles. Once you reach that time or mileage limit, the warranty will either totally expire or much of what it covers will be void.

Some manufacturers also offer various program warranties on specific used or pre-owned cars, usually called "certified used" or something similar, that extend the original manufacturer's warranty or parts of the warranty.

If you plan on keeping the car past the life of the manufacturer's warranty, you may want to consider purchasing an extended warranty. Extended warranties are insurance policies against expensive, unforeseen repairs. In essence, extended warranties are actually service contracts. They cover expenses incurred that your warranty doesn't cover.

Unlike manufacturer's warranties, extended warranties are purchased separately from your car. They can be purchased either through the original manufacturer or through a third-party, independent warranty company. In some cases, you'll receive offers to purchase extended warranties in the mail or over the phone from the manufacturer just as the original manufacturer's warrantee is expiring.

Extended warranties are all different. They each differ on what repairs are covered, how much is covered, duration of the coverage and cost of the warranty. Before purchasing any extended warranty, determine what is still covered on the warranty you possess, determine how long past the life of the warranty you'll keep the car, what you want covered and for how long.

When researching the details of the warranty you want to purchase, look for information on the policy's deductible, whether the policy is transferable if you sell the car and whether repairs can be done anywhere or only with specific shops. Also, look for specifics on what is covered and what is not. For instance, does the warranty cover breakdown of parts as well as wear and tear? A warranty that only covers breakdown requires the part to break before the warranty will pay to replace it. A wear and tear policy will cover parts that need to be replaced because they are too worn to work efficiently.

Purchasing an extended warranty can be a smart investment. Don't forget to research the warranty specification and the companies offering them online before making the purchase.

 

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