Top Extended Car Warranty Companies of 2021

We purchase a plan from every company we list and provide you the most in-depth review of the best Extended Car Warranty based on real research.

Rating

9.2

out of 10

Rank

01 / 05

Endurance Warranty

EMPOWERING CONFIDENCE FOR THE ROAD AHEAD.

We found Endurance Warranty to be the singular best choice for extended auto warranties, based on a number of factors. First, since they’re an administrator that sells extended auto warranties directly to the consumer, Endurance Warranty is able...
Read More

Key features

  • Unlimited Mileage
  • Maintenance Coverage
  • 30-day money back guarantee

Rating

9.1

out of 10

Rank

02 / 05

Car Chex

A SMARTER WAY TO DO CAR

Overall, we really liked CARCHEX. We rated them number one among resellers and second overall. They were outranked by Endurance, which is an administrator and really performed head and shoulders above any of the competition. Nonetheless, CARCHEX did...
Read More

Key features

  • 30-day money back guarantee
  • Reseller working with several different providers
  • Accepted by most dealerships and any certified mechanic

Rating

8.7

out of 10

Rank

03 / 05

CarShield

USA's #1 AUTO PROTECTION PROVIDER

CarShield is a big name in the extended auto warranty industry, in large part thanks to their robust TV ad campaigns featuring celebrities like Ice-T (love you, Ice!). We found them to be friendly and helpful and to have reasonable options for the...
Read More

Key features

  • Reseller working with American Auto Shield
  • Accepted by most dealerships and any ASE-certified mechanic
  • Claims must be pre-approved

Rating

8.0

out of 10

Rank

04 / 05

Protect My Car

While Protect My Car, commonly referred to as Protect or PMC, did have some nice benefits, we ultimately found their offering to be substandard relative to their asking price. Though we greatly enjoyed speaking with one of their ‘budgeting...
Read More

Key features

  • 30-day money back guarantee
  • Ambassador Maintenance Plans provide added benefits if you choose to buy in
  • Plans administered directly by PMC

Rating

7.9

out of 10

Rank

05 / 05

Concord Auto Protect

Concord Auto Protect, which has been in business for the past 7 years, is an odd duck in the extended auto warranty field. Their customer service team is great, and they are one of the few companies that are their own administrator, meaning they...
Read More

Key features

  • 30-day money back guarantee
  • Plans administered directly by Concord
  • Accepted by most dealerships and any certified mechanic, will work with any local mechanic
Extended Auto Warranty Sign

What is An Extended Car Warranty?

An extended car warranty is a contract between you and a company, often your car’s dealer or manufacturer, that covers auto repairs within a specific period of time or mileage. Typically, they cover the first three years or 60,000 miles. Once the dealer’s or manufacturer’s warranty expires, it's often best to purchase an extended car warranty that provides coverage for repairs and replacements required beyond the initial manufacturer’s warranty.


Vehicle owners can choose between:


  • Manufacturer warranty—typically offered directly from the vehicle manufacturer, and applies to brand-new and used vehicles. Coverage applies to factory-installed parts and cover any manufacturing flaw that results in a breakdown.
  • Aftermarket warranty—an aftermarket warranty is one offered by a third-party, not the original vehicle manufacturer. They are known as vehicle service contracts (VSC), but it’s important to note that a VSC is not a warranty. They cover repairs and maintenance after the original manufacturer’s warranty runs out. 

Extended Auto Warranty Sign

What is a Vehicle Service Contract (VSC)?

While extended warranties and vehicle service contracts are similar, it’s important to note that they are not the same or interchangeable. The key difference is that an extended warranty is generally a continuation of a manufacturer’s warranty, while a vehicle service contract or VSC is not an extension of an existing warranty. VSCs offer similar coverage and in some cases, more coverage.
A factory warranty is typically available for new and pre-owned vehicles when purchased, but eventually runs out after a certain year or mileage—whichever comes first. Once your factory warranty expires, you run the risk of paying out-of-pocket for costly repairs. By investing in a VSC, you gain peace of mind when on the road.
A VSC covers parts and labor costs for the specific components outlined in the contract, and requires a regular monthly payment and potentially a deductible. Vehicle owners submit claims to the company issuing the VSC to be reimbursed or have claims directly billed to the warranty company. Pre-existing issues and typical wear and tear are usually not covered under a VSC.

extended car warranty companies

What Does an Extended Car Warranty Cover?

The coverage you receive depends on the extended warranty agreement you have with the provider. An extended car warranty is different from a manufacturer’s warranty, and customers have options when it comes to what kind of coverage they want. Here are some of the coverage types they can select: 

  • Powertrain warranty—a powertrain warranty is a good basic coverage option that covers basic components, like your engine and transmission. The reason this type of warranty is called powertrain is because it typically covers the components that power the vehicle like the driveshaft, engine, transmission. 
  • Stated component warranty—this is more detailed, and lists out each section that’s covered. You can check to ensure everything you need coverage on is included. This coverage is broader than a powertrain warranty because it allows vehicle owners to add other components like brakes, suspension, and other features. Since every covered component is listed within the warranty, vehicle owners can ensure they have all the coverage they want.
  • Exclusionary coverage—this coverage is perhaps the broadest compared to powertrain and stated component warranties. Often this type of warranty covers everything included in a stated component warranty plan, and then some. The reason these types of warranties are titled exclusionary is because instead of listing what’s covered, the agreement lists all items excluded from coverage instead.

When choosing which warranty you go with, we suggest submitting a quote to get assistance from trained specialists to help answer questions and ensure you have the proper coverage.

Let's Make This Clear

What is the Difference Between a Car Warranty and Insurance?

Extended auto warranties and car insurance have many things in common, but they are different products and service different purposes. In general, extended auto warranties cover: parts and labor costs for certain repairs, manufacturing errors or faulty parts, replacement costs and covered repairs during warranty period.

Extended auto warranties do not cover normal wear and tear and in some cases do not cover damage from accidents or natural disasters. Always check your warranty and ask questions if you’re unsure if something is covered.

In contrast, standard car insurance packages typically cover: accidental damages, theft, natural disasters, fires, liability—if you are at fault for someone else’s injuries or damages to their car, insurance will cover this cost, under or uninsured motorists—if another motorist is responsible for damages, typically their insurance will pay out the claim, medical payments—insurance will often cover injuries and other treatments required as the result of an accident or disaster, lost wages—many insurance policies will cover lost wages if someone cannot work as a result of an accident.

extended car warranty companies

How Can I Find Trustworthy Extended Car Warranty Companies?

The best way to find a trustworthy extended car warranty provider is to research. Here are some suggestions of where and how you can research to ensure you get the right fit for your needs.

  • Check with your mechanic—your mechanic likely has dealt with many warranty providers. They may have opinions on what plan would be best for you, especially if you want to continue having repairs done at your preferred shop.
  • Read online reviews—check out warranty companies online and on review sites to see what customers are saying. Look for specifics including how often claims are paid out, how easy the sales process was, customer support, and other factors that will help you decide. The warranty is just one piece of the experience. 
  • Compare quotes—most extended warranty companies offer free quotes on their services. You can discuss with customer service and ask any necessary questions before signing up.
  • Check with friends and family—check to see what others in your life have done. Their firsthand experience will be valuable as you search for the right fit.

Recent News & Resources