A Review of CarShield’s Extended Warranty Plans (2021) | The Drive

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LAST UPDATED:  May 5, 2021

A Look at CarShield’s Extended Warranty Plans

Let's look at CarShield's extended warranties and see what they offer.

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PUBLISHED ON May 5, 2021

Hitting the scene in 2005, CarSheild touts itself as a company that values commitment and the proud American history of the automobile. Its third-party warranty plans have covered more than a million vehicles, paying out over a billion dollars through claims. Offering service plans in conjunction with the OEM warranty and independently gives you the chance to optimize your vehicle protection. Are you worried about the underwriting of your existing warranty? One of CarShield’s plans can flesh out your protection and leave you fully covered. Effective on both new and pre-owned vehicles alike, CarShield has become one of the major names in the warranty industry.

CarShield is worth a look, whether you’re getting a first warranty or further protection. Of course, it’s not the only fish in the sea: there are tons of warranty companies touting themselves as the best, but choosing your service plan is about finding the company that’s best for you. To cut through the noise, we’ve curated a detailed analysis of CarShield’s services to help you figure out how it holds up against the competition in terms of value, protection, and accessibility.

Uproar.car will cover your car for less, protecting you against expensive repairs from bumper to bumper. With a focus on customer care and no middleman to complicate repairs and claims, you’ll get easy coverage you can actually use. The plan even pays for itself — Uproar.car’s warranty coverage gives you exclusive access to discounts, auto concierge service, and a 100 percent online claims process. And with clear, upfront price quotes, you’ll know exactly what to expect when it comes to the cost.

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

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

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

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

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

Looking at CarShield's coverage
The Drive x CarShield

Take a look at CarShield's coverage.

CarShield’s Extended Warranty Payment Plans Overview

Warranties offered through CarShield are available for both new and pre-owned vehicles with high mileage. Offering extended service contracts, the company focuses on providing more comprehensive coverage than a standard OEM warranty. Most plans ring in at the lower end of the pricing spectrum. Provided you opt for the best-suited plan for your needs, CarShield can help you save more than if you used only the standard vehicle warranty (or didn’t have one at all). 

CarShield is a third-party warranty supplier, meaning that it works with a distributor (specifically, American Auto Shield) to provide the warranties. It offers six main warranty plans, referred to as vehicle service contracts. 

  • Diamond: Easily the most comprehensive of the CarShield warranties, it is the closest to the coverage of an OEM warranty for a new vehicle. This plan addresses the powertrain system, drive axle, and drivetrain. It comes with perks, including roadside assistance and car rental reimbursement. 
  • Platinum: This plan is geared towards older vehicles that have high mileage. Meant to address the parts that most often wear down with time, it deals with things like the water pump, power steering, suspension, and brakes. It’s preferred by those with pre-owned vehicles. 
  • Gold: Balancing cost with coverage, this plan covers much less than the platinum counterpart, but it retains the focus on critical parts. It addresses the engine, transmission, air conditioner, and fuel delivery but does not handle steering or the suspension. The structure is better suited to vehicles with fewer than 100,000 miles on the odometer. 
  • Silver: The most cost-effective plan is this powertrain coverage plan. It addresses the transmission and water pump, as well as any lubricated parts of your engine. While basic, it covers the fundamental necessities for your car to function. 
  • Aluminum: Meant for more modern vehicles, this plan protects against most computer and/or electrical issues. It covers navigation systems and GPS, along with starter problems and alternator and air conditioner issues. While the coverage is best-suited to new cars, all vehicles have electronic systems covered by this plan. 
  • Motorcycles and ATVs: Designed for vehicles for which it can be tricky to find coverage, this category covers the essentials for this type of vehicle. The plans are comprehensive, with the only real exemptions being for inapplicable services like power windows and air conditioners.  

CarShield offers comprehensive warranties, aiming to address as many systems as possible while also giving cost-effective options. It clearly states both the exemptions and covered issues with each plan, letting you easily find the right fit. For vehicles without existing protection from the manufacturer, it’s easy to choose a warranty. However, if you are looking for something to complement your coverage, be sure to know exactly what you need to make sure you find the right plan. 

CarShield Warranty Plans and Costs

Determining the exact cost of a CarShield warranty is tricky: to price its plans, the company considers the make and model of your vehicle, its mileage and age, and whether you have supplemental coverage. A new car with no reported safety issues will be cheaper to cover than a car well past its prime.

That said, older cars cost more to maintain, especially since it’s the more expensive parts that are likely to face issues. Consider the value of the warranty and weigh it against the cost. You can end up saving big, particularly if you’re:

  • Covering a high-mileage vehicle that is likely to incur issues with the powertrain system and need costly repairs.
  • Looking to fill in the gaps on your existing OEM warranty plan to ensure you are fully protected.

According to CarShield, the most basic plans start at $99 per month, with the option to pay up-front or over time. The longest payment arrangement is two years, during which time the warranty covers your car. However, some customers report a somewhat confusing quote process when done online, so it might be better to call to get an exact quote.

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

CarShield has a whole host of benefits as a third-party warranty provider, perhaps the most significant being the wide range of options. Sure, you can expect a third-party company to have a more thorough plan than an OEM contract, but CarShield goes above the call of duty. It clearly states the plans in a no-nonsense manner, highlighting what is exempt and what is covered by each plan.

Another advantage of CarShield is that it offers protection plans for motorcycles and ATVs, which can be notoriously tricky to protect. In addition to its various coverage plans, it also has comprehensive powertrain protection. These parts are the most essential to the operation and the most expensive to repair, so the enhanced coverage is very desirable.

Finally, we are big fans of Carshield's positive customer reviews. It's heartening to see that the vast majority of CarShield warranty participants are happy with the plans. The main issues seem to be communication about quotes, with next to no problems about the service itself—in this digital age, that is about as promising as a warranty review gets.

Things We Don't Like

Nothing in this world is perfect, and while there’s a lot to like about CarShield, it has some drawbacks. For starters, there’s a lack of detail when it comes to the plans’ breakdowns. Sure, the website provides a checklist of what is and isn’t covered. However, as we all know, warranties are all about underwriting—without a thorough understanding of how the warranty will work, it can be tricky to make your decision. To find this information, you need to consult CarShield directly, at which point the sunk cost of the time invested can kick in. That’s an undesirable pressure when trying to assess a service contract objectively.

Another issue that we take with these plans is that there is no option for preventative maintenance coverage. To keep your warranty active, you must perform regular upkeep like oil and filter changes. These aren’t covered repairs, meaning there will still be out-of-pocket expenses to keep your vehicle in working order.

Finally, this business has an F-rating with the Better Business Bureau, which is a red flag. The BBB, an agency that investigates the merit of businesses, identified advertising issues with CarShield. It also noticed a pattern of complaints, the root of which the company failed to resolve. While it doesn’t mean that you should write off the company altogether, you should consider this before choosing CarShield.

A car after an accident.
Getty Images

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

Most Helpful Customer Reviews and Testimonials

Quote reviews here from CarShield’s review page and indicate the review featured by CarShield

FAQs On CarShield and its Extended Warranty

You've got questions, The Drive has answers!

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?

The average cost depends on what warranty you choose and factors like the make, model, and mileage of your vehicle. Plans start at $99 monthly, though the cost increases if you choose a more comprehensive warranty.

Q. What does CarShield cover?

CarShield has six main warranty plans, ranging from thorough protection similar to an OEM plan to basic powertrain plans. It also offers warranties for ATVs and motorcycles.

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

No, car insurance is there if an accident occurs and offers liability protection. A car warranty buffers the expense of car repairs as long as the service contract covers the damage.

Q. Does CarShield have a deductible?

Either there will be no deductible or a nominal one. The deductible cost depends on the warranty you choose, with more advanced coverage coming at a higher price.

Q. Does CarShield cover oil changes?

CarShield warranties do not cover preventative maintenance like oil and filter changes. Typically, warranties do not cover routine upkeep like this. It is, however, necessary to keep your warranty valid.

Q. Does CarShield cover oil leaks?

Unless the leak results from covered mechanical damage, like a failure in the lubrication system in the engine, it won’t be covered—only the Diamond and Platinum plans cover oil leaks.

Q. Does Carshield cover air conditioning?

All of Carshield's plans except for Silver and Motorcycle cover air conditioning. The plan addresses all the key components, including the blower and the evaporator, two parts that frequently incur damage.

Q. Does Carshield cover power steering?

All of CarShield plans, except for the Gold and Silver, cover this expense. The plans have thorough coverage, including wear and tear on the pump.

Q. Does Carshield cover older cars?

CarShield accepts pre-owned cars, even those with higher mileage. While the coverage price may be higher, it offers plans that cover the parts most likely to wear out: transmission, engine, and air conditioning systems.

Q. Is CarShield a rip-off?

CarShield is a legitimate business that has paid out more than $1 billion in claims since it opened in 2005. The plans are reasonably priced, and as long as you choose the properly-suited option, it can provide ample savings.

Is a Warranty from CarShield Worth It?

Deciding the value of any warranty is a balance of risk assessment and cost analysis—the end goal is to save as much money on repairs as possible. CarShield offers some comprehensive plans that are reasonably affordable. Especially if you’re driving a high-mileage vehicle bound to require covered repairs, an extended warranty has a lot of benefits. Newer rides are less likely to need repairs, meaning you are less likely to recuperate the expense.

CarShield has a wide range of plans with suitable coverage, including options for ATVs and motorcycles. However, be sure to get a firm quote before making your decision, especially with user reports highlighting communication issues with the company. The ultimate goal is to save money and treat your ride well, and CarShield is an option. Protect your interests by comparing the rates and coverage to other third-party warranty providers.

Uproar.car will cover your car for less, protecting you against expensive repairs from bumper to bumper. With a focus on customer care and no middleman to complicate repairs and claims, you’ll get easy coverage you can actually use. The plan even pays for itself — Uproar.car’s warranty coverage gives you exclusive access to discounts, auto concierge service, and a 100 percent online claims process. And with clear, upfront price quotes, you’ll know exactly what to expect when it comes to the cost.

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

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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

More Information

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