Reviews

LAST UPDATED:  June 24, 2019

A Review of CarShield’s Extended Warranty Plans

Check out what you may get with a CarShield extended warranty

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PUBLISHED ON June 24, 2019

CarShield is just one of many warranty companies in the United States that offer third-party vehicle service plans for vehicles in and out of their original manufacturer’s warranty coverage. In other words, CarSheild is the type of company you may choose to check out when you want additional coverage or services on your vehicle to reduce the cost of car repairs and replacements. As one of the major third-party insurance providers, CarShield has a large variety of offerings that can fit the needs of almost any customer with a new or used ride.

On the surface, CarShield’s large offerings are attractive, but how does it stack up against the competitors? Does it really offer the value it claims to provide? And what about roadside assistance? We decided to look at all the particulars of CarShield and its offerings to see if it's really worth your time, attention, and money when it comes to getting the best-extended car warranty possible for your vehicle. Check out our CarShield review for some extra peace of mind when buying your next auto extended warranty from a third-party provider.

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Endurance

Save $350 on an Endurance warranty plan with coupon code: DRIVE350

Going with a factory extended warranty is a good option for basic protection, but you can get more and save more with Endurance, ranked the top extended warranty provider by Consumer Advocates, Consumer Affairs, and Retirement Living.

Get a Free Quote

Save $350 with coupon code: DRIVE350

<br>

CarShield

CarShield — USA’s #1 Auto Protection Provider

CarShield pays claims directly to a US or Canadian ASE-Certified® repair facility of your choice. Our contracts have low or no deductibles to prevent stress to your wallet at a critical time. Never worry about being stranded somewhere after a breakdown. All of our vehicle repair contracts include towing services to transport you and your vehicle to a safe repair facility.

Get a Free Quote

<br>

Carchex

Nationwide coverage for cars new and old

CARCHEX has something for everyone. Have an old car? No problem. Live in California? Not an issue. CARCHEX 's plethora of warranty plans includes options for cars up to twenty years old with up to 250,000 miles, regardless of any existing or expired warranties. Click below or call 1-877-207-3304 for a free quote.

Get a Free Quote

Car Protection with Endurance

CarShield isn’t the only option you have to cover your vehicle and its automotive expenses. There is a heap of other warranty companies out there to choose from, one of these is Endurance. Endurance has a number of great plans that will fit your vehicle and budget. If unexpected problems come up that threaten to drain your wallet because your vehicle is out-of-warranty or doesn’t have good OEM warranty coverage, an Endurance plan will give you more protection and much-needed roadside assistance for less money.

CarShield’s Extended Warranty Payment Plans Overview

CarShield offers different plans that cover different types of vehicles, conditions, and ages. As an extended warranty provider, the company specializes in coverage plans that tend to add more value, coverage, and services than traditional factory warranties. As a result, and under the right conditions, you may save more on typical or unexpected automotive repair costs than if you pay out-of-pocket or rely on a factory warranty alone.

Extended auto warranties, also known as vehicle service contracts, are offered through CarShield’s distributors: American Auto Shield and United Car Care. Between the two, CarShield offers six primary coverage plans and protection plans that break down into different levels of offerings.

  • New Car Diamond: This is a basic extended warranty plan that CarShield offers, mimicking the coverage of a lot of new car warranties provided directly from the manufacturer. It primarily covers the powertrain, drivetrain, and drive axle in case of a major problem. Plus all the other aspects you’d expect from any good insurance plan, like rental car reimbursement, roadside assistance, and car rental coverage.
  • Platinum: A CarShield service plan focused primarily on high-mileage vehicles, this plan provides a lot of coverage for parts that tend to wear out over time, everything from the power steering pump or water pump.
  • Gold: A basic, all-around CarShield warranty option that covers a good mix of components throughout the vehicle. It doesn't offer as much coverage options on important components likely to wear out over time, making it more useful for vehicles with less than 100,000 miles on the engine.
  • Silver: This is the budget plan CarShield offers to protect the most essential components in a vehicle, everything from the engine transmission, fuel pump, alternator, and water pump.
  • High Tech: Since more modern cars have electrical and electronic systems that can be difficult to repair or replace, this CarShield plan covers the most advanced systems in a car. This can include things like basic computer control systems and the infotainment system within a vehicle.
  • Other: In the "specialty" category of CarShield’s plans, you will find a number of different options that tend to cover different types of vehicles. These can include things like motorcycle coverage, ATV coverage, RV coverage, and more. Some also include roadside assistance, free towing, rental car reimbursement, and rental car coverage. 

The idea CarShield seems to run with is “more is more.” In other words, by providing as many specific plans for different vehicle types and conditions as possible, the company makes it easier for you, the customer, to find something attractive in its offerings. This is an advantage most factory warranties can't provide since they tend to be designed to be as universal as possible.

At the same time, this also can create a sense of information overload if you aren't familiar with the particulars of extended warranties and what you may or may not need for your specific coverage.

CarShield Warranty Plans and Costs

It's difficult to know exactly what you will be paying for a particular plan from CarShield. The actual cost depends on the plan itself, your vehicle, its age and condition, and other smaller factors that come into play. On average, however, expect to pay around $100 or more a month for the basic or mid-level policies that will be valid at just about any certified repair shop and car dealership.

With extended warranties, in general, the value of the warranty can offset the cost under certain conditions:

  • You have an old vehicle that requires more service on basic drivetrain parts.
  • You want extra coverage and services manufacturer warranties don't provide.

Essentially, the older your car is, the more an extended warranty from CarShield has some value.

A car insurance claims form
GETTYIMAGES

Filing out a claims form is often the first step to taking advantage of your car insurance.

Things We Like

When it comes to CarShield as a third-party automotive insurance provider, the thing we like the most about the company is the number of options it provides. Extended warranties naturally cover more than their factory counterparts, which can make it difficult to know what you may need or want for your specific coverage. CarShield has a "buffet" of auto warranty options that makes it easier to compare and contrast the differences and similarities and to prioritize what is most important to the CarShield customer. It also makes it easier to find coverage for other vehicle types like motorcycles and RVs or to cover multiple vehicles with the same company if desired.

The plethora of powertrain coverage options, in particular, is quite notable. While many factory powertrain warranties last several years, they still tend to be limited to defects that occur from natural use. In other words, general wear and tear or field performance upgrades and enhancements won't be covered by the manufacturer. Since these are the most important parts of the vehicle to keep it running, the large range of powertrain options included in many of the company’s plans makes it easy to cover likely repair costs that will come up as your vehicle ages without being reliant on the manufacturer itself.

On the surface, CarShield has also created a pretty extensive customer service network to provide the necessary information to its customers and to help them figure out which plan is best for them and their needs. Such help is important to avoid the possible information overload, and it is nice to see that the company takes great strides in communicating basic contact information, such as their main email and phone number, so customers have a clear starting point as questions arise.

Things We Don't Like

On the surface, there's a lot to like about the large plethora of options CarShield offers when it comes to extended warranties for different vehicles and conditions. Unfortunately, we noticed a couple of major drawbacks that you need to know in order to make the best decision for yourself in terms of whether to buy a CarShield plan or not. For example, the biggest problem we see with CarShield is the lack of detailed information it provides on many of its plans.

Yes, you can learn about the basics of each plan just by visiting its website. If you want to know more detailed information, like how long the plan lasts, how much you will actually cost without needing a free quote, or what particular exclusions apply to each plan, CarShield makes it more difficult to find this information for yourself. Using their extensive customer service platform, you can talk with a CarShield service contract representative to get more specifics, but this can be a hassle if you're simply shopping around. This information is important to make CarShield look less like a scam, especially with a poor rating from the Better Business Bureau. 

If you didn’t know, the Better Business Bureau, or BBB, helps to maintain the business standards of thousands of companies within the United States. They basically act as a form of consumer affairs. The BBB does this by investigating untruthful advertising and exposing business fraud against customers and other businesses.

The lack of information on warranty service length, in particular, makes it difficult for any customer to judge whether they want to go with CarShield and what plan they may choose in the long run. You may also need to find specific information on vehicle exclusions since almost all providers have limitations on a vehicle's age or mileage that disqualifies them from particular coverage.

A car after an accident.
GETTYIMAGES

Extended plans can be valuable if the car is old enough, but major accidents usually require purchasing a new car.

FAQs

Q. What is CarShield?

CarShield is a third-party provider of extended warranties, also known as vehicle service contracts, that aims to help reduce repair costs on vehicles. 

Q. What is the average cost of CarShield monthly?

This all depends on your vehicle and the plan you select, but the typical plans CarShield offers range between a monthly payment of $100 and $150. As a customer, this may seem like quite a bit, however, so is fixing and maintaining your vehicle. Coverage like this can take the stress right out of an accident or unexpected vehicle failure.

Q. What does CarShield cover?

CarShield offers a good balance of coverage that is similar to a factory warranty and plans that resemble a power train coverage. Plans can include things like a vehicle’s engine, transmission, electronics, fuel pump, etc.

Q. Is a car warranty the same as car insurance?

Not quite. Car insurance doesn’t cover regular repairs. Instead, it tends to kick in when an accident has occurred. Extended warranties, on the other hand, can cover repairs, carried out at a third-party repair facility, due to wear and tear or general maintenance.

Q. Does CarShield have a deductible?

All CarShield auto repairs have either a very low or nonexistent deductible, this is usually determined by your level of cover. If needed, the repair claim will be paid in full directly to an ASE certified mechanic, repair facility, car dealership, or repair shop once the deductible has been paid.

Q. Does CarShield cover oil change?

No, CarShield does not cover routine maintenance like oil changes. The Platinum and Gold coverage levels do cover the engine block, rotor housing, oil pan, engine oil dipstick, engine dipstick tube, and timing cover if damaged by a failing internal oil oil-lubricated engine part.

Q. Does CarShield cover oil leaks?

No, oil leaks aren’t covered by CarSheild unless they are a result of damage by a failing internally oil-lubricated engine part. This only applies to customers that have Platinum or Gold cover leave insurance. Those that have Gold level coverage or lower are not covered for this type of failure.

Q. Does Carshield cover air conditioning?

Yes. Customers that have CarShield’s Gold coverage plan will have their a/c covered by the plan. This includes the air conditioning condenser, the compressor, the expansion valve, the evaporator, the orifice tube, the accumulator/receiver dryer, and the blower motor.

Q. Does Carshield cover power steering?

Yes. CarShield’s Platinum coverage plan covers all internally lubricated power steering parts within the steering gear housing. This includes the power steering pump, the main and intermediate shafts, the pitman arm, the couplings, the idler arm, the rack and pinion, the drag/center link, and the tie rod ends.

Q. Does Carshield cover older cars?

Yes, CarShield does offer cover for older pre-owned or used cars. This is particularly handy for older vehicles as parts like the water pump, electrics, and air conditioning will often start to fail. To determine how much it will cost to cover your car, get in contact with one of their service contract representatives on 1-800-974-9385.

Q. Is CarShield a rip-off?

No, CarShield is not a ripoff or scam. CarShield has been offering extended vehicle warranties on new and used cars for over 15 years. Over this time CarShield has covered well over one million cars and helped thousands of vehicle owners get back on the road after an accident or parts failure. 

Is a Warranty from CarShield Worth It?

Ultimately, if you're in the market for a new extended warranty, CarShield does offer a lot that's attractive under certain conditions, particularly for older cars with high mileage. In truth, this is actually true of any extended warranty since the money-saving value of such a warranty is only a reality if your vehicle is old enough. With new vehicles, you're less likely to actually save money since you are less likely to need unexpected repairs that cost money. The older a vehicle age is, however, the more likely you are to save money since it will probably need more automotive attention as it ages.

If you do decide that an extended warranty is needed for your vehicle, the comprehensive range of warranty options CarShield provides is the biggest draw to this particular company. Just keep in mind, however, you may have to take a few extra steps to get more detailed information to make sure you are making the correct decision.

Explore Your Buyer Options with Endurance

Going with the right third-party warranty provider requires some time and research to compare different options. It’s important to know what you should expect to pay, what kind of coverage you will get, and how helpful and friendly a provider’s customer support actually is. Endurance makes it easy to find all of this information before spending a single dollar; check out the comprehensive set of Endurance coverage plans, get a personalized quote, and even talk to a customer representative.

To find out more, get a free quote from Endurance today.

More Information

Here are a few more resources you can use to find out about CarShield:

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Endurance

Save $350 on an Endurance warranty plan with coupon code: DRIVE350

Going with a factory extended warranty is a good option for basic protection, but you can get more and save more with Endurance, ranked the top extended warranty provider by Consumer Advocates, Consumer Affairs, and Retirement Living.

Get a Free Quote

Save $350 with coupon code: DRIVE350

<br>

CarShield

CarShield — USA’s #1 Auto Protection Provider

CarShield pays claims directly to a US or Canadian ASE-Certified® repair facility of your choice. Our contracts have low or no deductibles to prevent stress to your wallet at a critical time. Never worry about being stranded somewhere after a breakdown. All of our vehicle repair contracts include towing services to transport you and your vehicle to a safe repair facility.

Get a Free Quote

<br>

Carchex

Nationwide coverage for cars new and old

CARCHEX has something for everyone. Have an old car? No problem. Live in California? Not an issue. CARCHEX 's plethora of warranty plans includes options for cars up to twenty years old with up to 250,000 miles, regardless of any existing or expired warranties. Click below or call 1-877-207-3304 for a free quote.

Get a Free Quote