What is Extended Vehicle Protection vs. a Used Car Extended Warranty or Extended Auto Warranty?

What is Extended Vehicle Protection?

Extended vehicle protection, also known as an extended car warranty or a vehicle service contract, is an optional insurance policy purchased to cover certain vehicle components and repair costs beyond what is covered by the car’s manufacturer warranty. With an extended car warranty, drivers can save on costly repairs and increase the longevity of their vehicle. The coverage length for extended warranties varies widely, but is usually measured in years or mileage. Furthermore, extended warranty providers often offer multiple levels of coverage that include benefits such as towing services, rental car coverage, and travel insurance. It is important to compare different extended warranty plans as most companies and manufacturers offer different protection options and rates.

Image Product Features Price
Emergency Item

Premium Car Glass Breaker Safety Hammer (2 Pack)

Premium Car Glass Breaker Safety Hammer (2 Pack)

  • Safety Item: Car safety hammer and seatbelt cutter is a must-have tool for emergencies
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  • High Quality: High-grade carbon steel and engineering plastics make it durable and reliable
  • Double-Tipped: Double-tipped solid cone head can break car windows easily
  • No Skid: Anti-skid handle is long and light for easy control
  • Mounting Available: Mounting bracket included for easy storage in the car
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Emergency Item

Always Prepared Standard Roadside Emergency Car Kit (62 Pieces)

Always Prepared Standard Roadside Emergency Car Kit (62 Pieces)

  • Multipack: 62-piece premium roadside assistance emergency kit for immediate help on the road
  • Compact: Compact and convenient, comes in a sturdy nylon bag that fits easily in your car
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  • First Aid Included: First-aid essentials also included, such as bandages, tape, a rain poncho, and emergency blanket.
  • Great Gift: Perfect for first-time car owners, young new drivers, those buying a used or new car, and anyone wanting extra safety and security in their vehicles
9.4
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Emergency Item

Roadside Emergency Assistance Kit (110 Pieces)

Roadside Emergency Assistance Kit (110 Pieces)

  • 110 Items: The Premium Auto Emergency Assistance Kit contains over 110 resources commonly found in both a car kit and a roadside emergency kit.
  • Included: The kit includes a 64-piece First Aid Kit, Heavy Duty Jumper Cables, Heavy Duty Tow Strap, Emergency Blanket, 11-In-1 Multi-Tool, Flash Light, Bungee cords, Magnesium Fire Starter, Roadside Warning Sign, Roadside Emergency Tools, and more.
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  • Good Gift: Makes a great gift for teen drivers, college students, young families, parents, grandparents, and employees.
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Emergency Item

Jump Starter, SUNPOW 1500A

Jump Starter, SUNPOW 1500A

  • Strong: The portable car jump starter has a powerful 1500A peak current, capable of safely starting a 12V car (up to 8.0L gasoline or 6.0L diesel engine) within seconds.
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  • Bright: The ultra-bright LED light is a multifunctional life-saver with three lighting modes, including flashlight, strobe light, and SOS light, making it useful for emergencies and outdoor adventures.
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Emergency Item

Stalwart 75-BP1010 Electric Blanket-Heated 12V Polar Fleece

Stalwart 75-BP1010 Electric Blanket-Heated 12V Polar Fleece

  • Soft & Comfortable: The electric blanket is made of polar fleece material.
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  • Easy Storage: It can be easily folded and stored in a trunk or backseat.
  • Large Size: The blanket measures 59” x 43” and comes with a storage case with handles.
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What are the Benefits of Having Extended Vehicle Protection?

1. Coverage of major and minor repairs

Extended vehicle protection covers major mechanical parts of the car, such as the engine, transmission, brakes, exhaust, and power system, as well as additional features like 24/7 roadside assistance, rental car reimbursement, trip interruption service, and tire protection. However, it typically does not cover routine maintenance or damage due to normal wear and tear.

2. Convenience of one-time payment

Having extended vehicle protection provides convenience by allowing motorists to save on out-of-pocket repair costs, as well as providing robust, extended protection for covered expenses. Additionally, extended vehicle protection provides purchasing flexibility by allowing motorists to choose a payment plan that works for them and their budget. With payment plans such as 12-18 month no-fee installments, motorists are able to make payments without any fees or penalties, and once the policy is paid off, no additional payments are required aside from applicable deductibles. Furthermore, Endurance offers complimentary benefits such as 24/7 roadside and towing services, rental car reimbursement and trip interruption coverage, as well as a year’s worth of free Endurance Elite Benefits including collision discounts, key fob replacements, total loss protection and tire coverage. Finally, most Endurance plans are transferable meaning customers can use any active coverage to help upsell their vehicles should they ever look to sell it, still with coverage.

3. Protection against manufacturer defects

An extended vehicle protection plan helps protect against manufacturer defects by providing coverage beyond what is typically included in a manufacturer’s warranty. This coverage can include repairs to parts and systems that are not covered by the manufacturer’s warranty, such as wear and tear, routine maintenance, and damage from corrosion. It also covers repairs that result from defects in factory-installed parts and components, which will be covered under the plan’s terms and conditions. Additionally, extended vehicle protection plans may include coverage for “secret” car warranties, which are free repairs from the car manufacturer. This coverage can help protect against unexpected repair costs and provide peace of mind that your manufacturer defects are covered.

4. Ability to upgrade to a newer car model

Having extended vehicle protection can make upgrading to a newer car model much easier. OEM warranties are typically provided directly by the automakers themselves, so you know the coverage is reliable. These warranties often include coverage for specific components and can sometimes even be transferred to a new owner. On the other hand, third-party warranties are often more affordable and can be better tailored to fit your specific needs. They may also offer additional coverage for certain components that OEMs don’t offer. Ultimately, having an extended vehicle protection plan can help you save money and make the transition to a newer car model easier and smoother.

5. Coverage of gasoline, diesel, and hybrid components

Gasoline and diesel components that are covered under extended vehicle protection include the engine, transmission, and any power components that travel to the wheels, such as axles and drive belts. These warranties also cover normal wear and tear, extreme heat or cold, mechanical defects, and poor maintenance.

Hybrid components that are covered under extended vehicle protection include the battery, electric motor, and other unique parts found in an electric or hybrid car. These warranties cover repairs to these components and can come with separate warranties for the battery, electric motor, and other components, depending on the make and model of the car.

6. Roadside assistance coverage

Extended vehicle protection options often provide roadside assistance coverage to help you in an emergency, such as if you are locked out of your car or your car has broken down. This coverage typically includes towing services, fuel deliveries, and other emergency roadside assistance. Most warranty providers will cover the cost of towing your vehicle to the nearest authorized repair shop, and some may even offer additional benefits such as trip interruption reimbursement and rental car coverage. To access these services, you will need to get approval from your contract administrator, which may require a vehicle inspection or tear-down. With extended vehicle protection, you can have peace of mind knowing that you’re covered in the event of an emergency.

7. Zero deductible for certain repairs

Under extended vehicle protection, the following types of repairs are covered for free:

  1. Mechanical breakdowns: These are repairs caused by normal wear and tear, such as air conditioning failure, transmission malfunction and other parts that break due to age or manufacturer defects.
  2. Accidents and unexpected events: These are repairs caused by unexpected events, such as theft, vandalism, fire, hail or other accidents.
  3. Roadside assistance: Some extended warranty programs provide free roadside assistance, such as towing to a nearby authorized repair shop in the case of a breakdown.
  4. Repair reimbursements: Some programs will reimburse you for repairs after they are approved and a deductible is paid.
  5. Direct payments: Other programs will pay the repair shop directly, so you won’t have to pay out of pocket or wait for reimbursement.

8. Access to repair and service network

Having extended vehicle protection can enable access to a wide network of repair and service facilities. Most warranty providers offer roadside assistance benefits, so if your vehicle is inoperable, it can be towed to the nearest authorized repair shop at no cost. Additionally, third-party providers may have you go to dealerships, networks of approved shops or any ASE-certified repair facility. Additionally, many providers offer rental car coverage and trip interruption benefits, so you don’t have to worry about the cost of a rental car if your vehicle is in the repair shop. This flexibility in repair and service locations makes it easier to get your vehicle the help it needs when it needs it. Furthermore, many providers offer customer-friendly options such as claims paid directly to the repair shop, no vehicle inspections required and easily accessible sample contracts online. All of these benefits make it easier to access the repair and service network needed for your vehicle.

9. Peace of mind knowing that repairs are covered

What kind of repairs are covered with extended vehicle protection? An extended warranty, also known as a service contract, can provide coverage for various repairs, including those due to wear and tear, manufacturer defects, and more. It can also provide financial security by saving you from out-of-pocket repair costs, robust, extended protection, and purchasing flexibility. Additionally, a corrosion warranty can help pay for damage due to rust, while car insurance can cover damage due to accidents and unexpected events.

10. Money savings compared to ordinary car repairs

Having extended vehicle protection can be immensely beneficial for one’s wallet when compared to ordinary car repairs. With an extended warranty, the need to worry about out-of-pocket repair costs is eliminated, providing financial security. Additionally, service contracts typically cover costs not covered by factory warranties or outside the warranty period, meaning you are covered for any expensive repairs your car might need. Furthermore, purchasing flexibility allows you to make a considered decision and not have to purchase the warranty right away.

On the other hand, without an extended warranty, you would need to pay for car repairs out-of-pocket. Depending on your car make and model, repair costs can range from a few hundred to a few thousand dollars. This is especially true for cars with many high-tech features that are pricey to repair or replace. Additionally, if you have an older or high mileage vehicle, the cost of repairs will be even higher. Therefore, an extended warranty can save you hundreds or even thousands of dollars in repairs, making it a sound financial decision for many car owners.

What are the Different Types of Extended Vehicle Protection?

1. Car Shield Coverage

CarShield is a vehicle service plan provider that offers drivers a variety of coverage options at an affordable cost. CarShield provides six different plans that cover the car’s systems and mechanical parts, such as the engine, transmission, transfer case, drive axle, and water pump. The company also offers monthly payment plans to make it more accessible.

The main benefit of CarShield coverage is that it can help drivers save money on car repairs. With the plans, drivers are covered for repairs to the car’s systems and mechanical parts, which can be costly if they need to be fixed without an extended warranty. Additionally, CarShield offers competitive rates compared to other major insurers, with prices ranging from about $89 to $130 per month.

CarShield also offers the longest coverage in the industry with plans lasting up to 300,000 miles. With this coverage, drivers can rest assured that their vehicle is protected for a significant amount of time and that they will not have to worry about costly repair costs.

Overall, CarShield is an excellent option for drivers who are looking for an affordable and comprehensive way to protect their vehicle from costly repairs. Its competitive rates and extensive coverage make it a great choice for budget-conscious drivers.

2. Warranty Plans

Extended vehicle protection comes in a variety of plans to suit individual needs. The three main types of plans are Titanium, Gold, and Bronze.

Titanium plans are the most comprehensive vehicle protection plans available and offer coverage for all parts and systems in your vehicle, except for routine maintenance and wear-and-tear damage. These plans typically have a coverage term of 7 to 10 years.

Gold plans are great for high-mileage vehicles and provide coverage for all major systems of your vehicle for 5 to 10 years.

Bronze plans provide 5 to 6 years of coverage for the major systems of your vehicle and are designed to protect you from the most expensive and common breakdowns. This is usually the most affordable plan available.

When looking for the best coverage, it is important to compare plans and do a side-by-side coverage comparison to understand the terms and exclusions of the warranty agreement before making a purchase. It is also important to note when the plan kicks in and how it compares to the remaining coverage from the carmaker’s factory warranty.

3. Protection Plans

The different types of protection plans for vehicles available are Endurance, Carchex, Carsheild, and Concord Auto Protect.

Endurance is best for older and high-mileage cars, offering protection for components such as engine, transmission, drive axles, cooling system, electrical components and master cylinder.

Carchex is best for plan options, allowing drivers to purchase contracts with a 30-day money-back guarantee, and have the option of paying upfront, through a monthly payment plan or rolling the cost into their vehicle’s financing plan.

CarShield is best for motorcycles and ATVs, providing coverage for items such as AWD/4×4 and steering components, heating, AC, suspension, fuel system, high-tech electronics and turbo/supercharger.

Concord Auto Protect is best for customer satisfaction, providing 24/7 support by phone as well as multiple ways to contact customer service via client login, email, Facebook chat and online form. The company also actively posts on social media and is very responsive to customer feedback.

4. Mechanical Breakdown Insurance

Mechanical breakdown insurance is a type of coverage that helps cover the cost of unexpected repairs for your car. It differs from an extended warranty in that it is typically purchased through a car insurance company, whereas extended warranties are usually purchased through a dealership, manufacturer, or third-party company. MBI policies usually cover big-ticket items, such as the engine, drive train, transmission, brakes, exhaust, and power system, but do not cover typical wear and tear. Payment for MBI is typically made on a pay-as-you-go basis, and the up-front cost is typically around $100 a year. In order to claim MBI coverage, you must take your vehicle to an in-network repair facility, and your contract administrator must approve the service. After that, you will pay a deductible to the facility and the rest of the repair bill will either be paid directly to the shop or you will receive a reimbursement check.

5. Vehicle Protection Plan

A Vehicle Protection Plan is a type of extended car warranty designed to help drivers protect their cars from costly repairs for a set period of time. It can provide coverage for all major systems of a car or for specific parts, depending on the type of plan. Most plans provide up to 7-10 years of coverage and have only a short list of exclusions. The plan can be paid for in full or in monthly installments. Some providers also offer plans specifically for older and high-mileage cars, motorcycles, and all-terrain vehicles. Plans may include 24-hour roadside assistance and coverage for powertrain components, electrical and computer systems, engines, transmissions, drive axles, fuel injectors, fuel pumps, steering, suspension, brake and electrical systems. With a Vehicle Protection Plan, drivers can rest assured that they will be protected from expensive repairs and have access to 24-hour roadside assistance.

6. Roadside Assistance

Roadside assistance is a service offered by both car warranty providers and insurance companies that provides help in situations such as towing, lockouts, and fuel delivery. The exact coverage and service offered will vary by provider, so it is important to understand the details of your particular plan. Typical coverage includes towing to an authorized repair shop, fuel delivery, and lockout services. Some providers may also offer trip interruption reimbursement and rental car coverage.

It is also important to consider whether you need roadside assistance coverage or already have coverage somewhere else, such as through a membership with AAA. Knowing the details of your roadside assistance coverage can help you save time and money, so it is important to be aware of all of the specifics of your plan.

7. Coverage for Auto Parts and Service

Auto parts and service coverage provides protection for major vehicle components, such as the engine and transmission, as well as add-ons like 24/7 roadside assistance, rental car reimbursement, trip interruption service, and tire protection. The coverage typically does not cover routine maintenance or damage caused by normal wear and tear. Generally, there are three levels of coverage: a powertrain warranty that covers the most critical parts of your engine, transmission, and drive axle; stated-component coverage that covers only specifically listed car parts and systems; and a bumper-to-bumper warranty that protects almost all vehicle components, including steering, suspension, air conditioning and heating, and electronics. In addition, many extended auto warranty products come with extras, such as roadside assistance, towing, trip interruption reimbursement and rental car coverage.

8. Car Extended Warranties

Car extended warranties are service contracts that cover car repairs beyond the time period of a manufacturer’s warranty. In other words, they provide an additional layer of protection against the costs of mechanical breakdowns. Extended warranties differ from traditional car warranties in that they can last up to eight years and come with a pre-repair deductible that can cost hundreds of dollars. They also provide more comprehensive coverage than car insurance, which only covers damages caused by theft, vandalism, and severe weather. Extended warranties are most beneficial for those who have used or unreliable cars or those who expect their repair costs to be unmanageable. Shopping around for the best extended car warranties and negotiating prices can help to get the most value from a warranty.

9. Powertrain Coverage

Extended vehicle warranties typically come with a variety of powertrain coverage options. Powertrain warranties cover parts that generate and transmit power, including the engine, transmission, and axles. Powertrain Plus warranties include basic powertrain coverage, plus some added coverage or components which vary per company. Bumper-to-bumper warranties offer the most comprehensive coverage, covering most of the vehicle’s major mechanical systems, except for specifically excluded items such as brake pads or tires. Named component including emissions warranties cover a specific list of components, such as GPS and electrical systems. Drivetrain warranties cover everything that keeps the car moving except for the engine, including the transmission, driveshaft, axles, and wheels.

10. Car Maintenance Coverage

Car maintenance coverage is a type of service or plan that helps cover the cost of repairs and regular maintenance of your car. It can be either a factory warranty or an aftermarket extended warranty, and can either be included in the purchase price or purchased separately. Factory warranties are typically included in the purchase price and cover any major defects within a certain window, usually three years or 36,000 miles, whichever comes first. An extended warranty, on the other hand, is an insurance policy for your car’s major parts, and generally covers any mechanical breakdowns that occur outside of the factory warranty period.

There are four main types of car maintenance coverage: factory warranties, mechanical breakdown insurance (MBI), dedicated savings accounts and extended warranties. Factory warranties come with the purchase of your car and cover major defects within a certain window, usually three years or 36,000 miles, whichever comes first. MBI is typically less expensive than an extended warranty and covers your car’s major components. Dedicated savings accounts are a great way to save for the unexpected, and extended warranties are an insurance policy for your car’s major parts.

When it comes to car maintenance coverage, Endurance is the best for older and high-mileage cars, Carchex has the best plan options, CarShield is the best for motorcycles and ATVs, and Concord Auto Protect has the best customer satisfaction. Ultimately, the right car maintenance coverage for you will depend on your needs and budget.

How to Choose Between Extended Vehicle Protection and Used Car Extended Warranty or Auto Warranty?

Step 1: Determine your needs

When it comes to extending your car’s warranty, you’ll want to carefully weigh your options. An extended vehicle protection plan (VSC) from a third-party provider is different from a used car extended warranty or auto warranty. You’ll need to consider your budget, your financial comfort level, and the vehicle you’re buying when deciding on which type to purchase.

When selecting an extended car warranty, make sure you research different plans, their lengths, deductibles, and covered components. Consider the price of the coverage, who is providing the warranty, and whether or not the car is eligible for certain offerings. Don’t be afraid to negotiate and look for discounts to get the best deal.

When looking for the right provider, make sure you get an accurate estimate of your current odometer reading, have your VIN number ready, and ask about available discounts. As you review your coverage details, read carefully through the list of covered items, exclusions, and liability limits. Finally, purchase your coverage from a reliable provider that offers the best prices.

By following these steps, you can make an informed decision when choosing between an extended vehicle protection plan and a used car extended warranty or auto warranty.

Step 2: Research options and choose the best fit for your needs

When deciding between an extended vehicle protection plan or a used car extended warranty, the process can be overwhelming. To ensure you make the best decision for your needs and budget, it is important to research all your options. Start by considering your finances, your financial comfort level and the vehicle you’re buying. Then, consider the price of the coverage and the company that stands behind it.

Next, think about what type of coverage is best for you – whether it’s a comprehensive plan or one with limited coverage. Make sure to ask the provider what is covered and what is not. Additionally, it’s important to compare and contrast the different offerings between providers. Speak to at least three providers and ask about their prices and coverage options. Don’t be afraid to negotiate and look for any discounts that are available. Finally, figure out which plan best fits your needs and budget.

By doing your own research and taking the time to compare and contrast providers, you can choose the best fit for your needs when deciding between an extended vehicle protection plan or a used car extended warranty.

Step 3: Compare coverage and benefits

Comparing the coverage and benefits of an extended vehicle protection plan and a used car extended warranty or auto warranty requires careful research and consideration. When it comes to extended car warranties, it is important to determine whether or not it is worth the cost and if so, how much you are willing to pay. You should also determine which type of provider is best suited for your needs and speak with multiple providers to compare prices and coverage options. Additionally, you should understand the coverage details and terms of the protection plan or sample contract, paying close attention to the list of covered items, exclusions, and liability limits. Finally, it is important to purchase from a reliable provider to ensure that you are getting the best coverage at the best price. With all these factors in mind, it is possible to compare and contrast the coverage and benefits of an extended vehicle protection plan and a used car extended warranty or auto warranty.

Step 4: Check customer reviews and industry reputation

When comparing an extended vehicle protection plan to a used car extended warranty or auto warranty, it is important to assess customer reviews and industry reputation. To do so, you should consider affordability, coverage, industry standing and customer service when making your decision. Affordability is a key factor to consider as varying factors can make it difficult to compare quotes between providers. Coverage should also be taken into account, looking at the number of plans offered, term limits, exclusions, and added benefits. Industry standing is important to consider as well, looking at Better Business Bureau ratings, availability, and years in business. Finally, customer service should be taken into account, looking at customer reviews, BBB complaints, and the responsiveness of the customer service team. In order to make an informed decision, researching customer reviews and industry reputation is essential.

Step 5: Consider affordability s

When shopping for an extended vehicle protection plan, affordability is an important factor to consider. The NEA Auto Buying Program can help you find certified dealerships and secure a great price on a new or used car. Extended car warranty companies offer a variety of coverage options to meet unique needs, such as term limits, exclusions, and additional benefits. Consumers should also take into account customer reviews, BBB complaints, and the responsiveness of the customer service team when evaluating the industry standing of a car warranty provider.

On the other hand, a used car extended warranty or auto warranty may be more cost-effective because it allows you to save on out-of-pocket repair costs and provides robust, extended protection. However, these warranties may also come with their own set of limitations, such as an added expense, a use-it-or-lose-it policy, and only paying for covered expenses. Ultimately, consumers should evaluate their needs and budget to determine which option is best for them.

Step 6: Assess coverage against risk profile

When it comes to selecting an extended vehicle protection plan, it is essential to assess the coverage against your risk profile. An extended vehicle protection plan, often referred to as a VSC (Vehicle Service Contract) from a third-party provider such as Endurance, can provide robust, extended protection for your car and can offer savings on out-of-pocket repair costs. However, such coverage adds an extra expense and typically requires use it or lose it, only paying for covered expenses. On the other hand, with a used car extended warranty or auto warranty from a reliable provider, you can get the best price on coverage for your car, as well as discounts and various levels of coverage. It is important to properly read and understand the coverage details and exclusions, as well as any available additional benefits, such as roadside assistance. Ultimately, you must compare and contrast the coverage offered by each option and decide which best fits your individual needs and risk profile.

Step 7: Evaluate the process for claim resolution

Choosing between an extended vehicle protection plan and a used car extended warranty or auto warranty is largely determined by the process for claim resolution. If the warranty provider does not take the word of the mechanic or requires physical inspection of the vehicle before repairs can be approved, the process of getting your car repaired can be significantly delayed, leading to added expense and inconvenience. Furthermore, if the warranty provider does not reimburse you directly for the repairs, but instead requires that you pay out of pocket and apply for a reimbursement, you can be left with a hefty bill if the warranty company does not pay you before your credit card bill is due. Knowing how the process for claim resolution works is therefore vital in determining the best warranty for your needs.

Step 8: Read the fine print on limitations, exclusions and other considerations

When choosing between an extended vehicle protection plan and a used car extended warranty or auto warranty, there are several limitations, exclusions and other considerations to keep in mind. For example, an extended vehicle protection plan may provide robust, extended protection, but it also comes at an added expense. In addition, coverage usually only pays for covered expenses, meaning if you do not need to use it, you lose out on the cost. On the other hand, a used car extended warranty or auto warranty can be a great way to save on out-of-pocket repair costs, but it is often difficult to determine the accurate mileage, and discounts may not be available. It is also important to understand the coverage details before signing any contracts, so be sure to read the fine print. Finally, when purchasing either type of warranty, it is important to purchase from a reliable provider, as the best prices are often with the best companies.