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Subaru Added Security

jdljrjdljr Posts: 11
Yesterday I got a brochure in the mail from Subaru offering their Subaru Added Security coverage. I purchased my 09 Legacy in Sept 08 and it now has less than 10K miles. They're offering the Classic Plus package for $564 to extend the warranty to 5 yr/60,000 miles. The brochure speaks of a $100 deductible per occurrence but says a $0 deductible option is available. I noticed on the Subaru website that a Gold Plus package is available as well, but there is no pricing on the website, or in my mailing, for that plan.

I have not owned a Subaru in the past and would like to know what other people think about the Subaru Added Security plan compared to other extended warranty plans. I guess I'm going to have to call Subaru sometime to ask about the Gold Plus package and the $0 deductible option. Any thoughts on Classic Plan vs Gold Plan?

Also, I had read on another thread that the plan(s) may be negotiable at the dealership? Is that during the initial auto purchase only, or anytime? I don't know if my local dealer would negotiate.

I hate the thought of spending money for the extended warranty, but I equally hate the thought of having a potentially high repair bill as well, after the factory warranty expires.

Thank you for your thoughts...
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Comments

  • morin2morin2 Posts: 399
    We have 2 subarus (3 if counting my son's old 94 Legacy) in warranty now. My wife has a 07 Forester and I have an 09 Outback. We will not be buying the extended warranties for either of them. Our cars are babied probably more than most, so I'm willing to roll the dice. Some people need the peace of mind that the extended warranties bring. In our case, we considered the cars to be reliable enough to purchase and anything that comes along after the warranty ends, we'll deal with it.

    Of the many new cars we have bought and kept beyond the basic warranty, there was only one - a 95 Chevy conversion van, that would have benefitted from an extended warranty when the transmission failed at 37K miles.
  • morin2morin2 Posts: 399
    I should have waited until the mail came today before my initial response - I may have gotten the same mailing from Subaru that you did. The cost was $564 - but it was for 6 years/60K miles from the date the car was put into service, $840 for 6 years/80K miles and $1282 for 6 years/100K miles.

    Its not a bad extended service contract - but I'm still going to pass for the following reasons: 1. Our cars are driven gently and 2. Our roads are some of the best in the US. So the miles put on our subarus are among the easiest any car would see. For example, my roundtrip commute is 108 moderate speed (55-60mph) highway miles with not one pothole.

    I think if we did short trips, drove in the city, did any stop & go, on New England's awful roads, then we'd look into the "Subaru Added Security" extended service contract more seriously. For our situations, it isn't as likely to be needed.
  • jdljrjdljr Posts: 11
    I didn't get all three options like you did, and I wonder why. My options are 5 yr/60,000 miles or 5 yr/ 80,000 miles, for the prices you have listed. Are my options not 6 years because I bought my 2009 Legacy in Sept 2008? Why would my 5 year option cost the same as someone else getting a 6 year option?

    My car is gently driven as well, I'm usually the only driver and I don't hot rod it. My drive to work is 9.5 miles each way, speeds ranging from 35 to 45 to (briefly) 55. After 8 miles I get into town, and drive a mile and a half with some stoplights along the last little bit. No potholes, but the road is not smooth as glass. I live in the mountains and, while my drive to work used to be 20 miles each way on a curvy, mountain road, now I work closer to home and the drive is much less curvy.

    I'm thinking I'll pass on the service plan too, but I might consider it if it was for 6 years from the date the car is put into service, like yours is. Subaru's are SUPPOSED to be reliable and durable, but anything can happen at anytime with any car, and I suppose I'll just bear the risk. :shades:
  • ateixeiraateixeira Posts: 72,587
    You also get roadside assistance for the duration of the warranty, so that can offset other costs, perhaps.

    Plus, it's MUCH easier to sell a vehicle that still has a little warranty left in it. We sold a 2002 Legacy last year that had a 7/100 warranty and the buyer said that was the reason he chose our car. He had almost a year left so no worries, no inspection, and he paid full asking price, which was about a grand more than my minimum price.

    So if you look at it that way, I got my money back and then some.
  • trautmaktrautmak Posts: 10
    I am purchasing a 2009 Outback Ltd with 10,000 miles from a Subaru dealer. The dealer is offering 80,000 and 100,000 extended warranties for $1900-2000. If they are not used at all, you get your money back at the end of the term. Is this worthwhile?

    thanks!
  • gjksngjksn Posts: 35
    When I bought my 2003 Legacy in 2002, they told me I could buy an extended warranty as long as I did so any time before the standard 3 year warranty was up. I did that toward the end of the standard warranty, because I had a sunroof issue that would have been very expensive to fix if not under warranty. My 7/100,000 Gold policy is up in September, and so far, it has not been used. Knock on wood. ;)
  • trautmaktrautmak Posts: 10
    Yes, you can buy them before your 36,000 miles are up but if I buy it now, at time of purchase, I can get a refund of the entire amount as long as it is not used at all by the time the miles are up. If you sell the car before the term is up, you get a prorated (small) refund.
  • trautmaktrautmak Posts: 10
    So now I am wondering which warranty to get - 80,000 or 100,000. Just in terms of when major problems ar likely to arise, would you recommend the 80k or 100k? We usually keep our cars till they die but I have been thinking that is maybe not so wise. Is it better to trade in at 90k or so - before the timing belt needs to be replaced?

    If I get the 100k and sell before that, I lose. However, we are pretty lethargic when it comes to making major changes so might plan to trade it in at 90k but keep it way past that.

    So, just in terms of potential problems, are you likely to get a lot between 80k and 100k?
  • cptpltcptplt Posts: 1,075
    If you are going to get it and keep the car a long time, get the longest one, you never know if you will drive a little more or keep it a little longer.

    I got my moneys worth on my 98 legacy GT with my Gold SAS - new a/c , several new power antennas, oil leak and various sundry other things, but on my WRX which I only drive 6K a year I probably lost a few hundred.

    take these prices to your dealer and have them match it or beat it
    scott putnams subaru,net site has great prices, about a third off list
  • there is no way to know when & how much you'll need the coverage but I've come out ahead on every extended service contract I've bought but one, even on reliable things like Toyotas ... the prices reflect the underwriting experience so they are far less expensive on Toyota/Subaru/Honda than, for ex., on Audi (prices through the roof).

    Figure out how many miles you drive per year and look at the longest combination of time & mileage that makes sense given your car buying habits. I don't think that babying the car or quality of roads necessarily correlates with the likelihood of needing coverage on a complex, modern car.

    For example, if you tend to keep a car you like and that is reliable, I wouldn't trade it just because it needs a timing belt change (& associated things you should do then too), if it's still working well and you still like it. Do the maintenance and roll on ...

    My German car has been babied and driven on good roads, and (I've recovered more than twice what I paid for the extended service contract on it). All new cars are hideously complex. They tend to break less often than years ago, but they rarely are fixed cheap.

    The prices are so relatively reasonable IMO that I will probably get a 7/100 contract on the '09 Ltd. it looks like I may buy shortly.

    just my $.02...
  • trautmaktrautmak Posts: 10
    Thanks for your thoughts on this. I got the 6 yr. 100,000 miles warranty just so I don't have to worry about a several thousand dollar repair. I like my 09 LTD but do wish the seats weren't quite so hard! Love the climate control. Really wish the sunroof were tinted so I could leave it open when it is sunny. Really wish it came with better tires.
  • now you have me a little worried re: the hard seats, LOL ... coming from my '01 Audi A6, the most comfortable car I've ever driven... 10 hr. trips from VA to Cape Cod are nothing.

    We'll get to test that out on the '09 OB in a couple of months.

    jc
  • ateixeiraateixeira Posts: 72,587
    I say go for it but negotiate a bit more on those prices, which seem on the high side. I know the terms vary but I've seen folks pay $800-1400 or so, so $1900 is definitely on the high side.

    Shop other dealers, even.
  • toooooooooooooo much!! i got 6/100 for 1050. you have to lowball them when you are being offered these in finance. I told them i wouldn't pay over 1000 and ended at 1050.

    good luck
  • ths258ths258 Posts: 10
    I would appreciate any feedback on the following two propositions:

    $1000 - Gold Added Security extended warranty. 7-Year, 70,000-mile, $100 deductable.

    $700 - Maintenance Plan. 45,000 miles, 7,500 mile interval. Supposedly, the 36 month limit on the maintenance plan is not enforced. $400 discount for dealership's normal inclusion of free oil changes for the first 24 months.

    As for the Added Security maintenace plan, here is what it includes:

    Mileage interval: 3000
    Replace
    - Engine Oil
    - Engine Oil Filter
    - Drain Gasket

    Mileage interval: 7500, 22500, 37500
    Replace
    - Engine Oil
    - Engine Oil Filter
    - Drain Gasket
    - Tire Rotation

    Mileage interval: 15000, 45000
    Replace
    - Engine Oil
    - Engine Oil Filter
    - Drain Gasket
    - Tire Rotation
    Inspect
    - Disc Brakes pads and discs
    - Front and rear axle boots and axle shaft joint portions
    - Brake lines & check operation of parking and service brake system
    - Clutch Operation and Steering & Suspension

    Mileage interval: 30000
    Replace
    - Engine Oil
    - Engine Oil Filter
    - Drain Gasket
    - Tire Rotation
    - Engine coolant
    - Spark plugs (if needed)
    - Air cleaner element
    - Brake fluid
    - Cooling system conditioner
    Inspect
    - Disc Brakes pads and discs
    - Front and rear axle boots and axle shaft joint portions
    - Brake lines & check operation of parking and service brake system
    - Clutch Operation and Steering & Suspension
    - Cooling system hoses & connections
    - Drive belts (including camshaft belts)

    --------------

    Any advice of the value of the above would be appreciated.
  • ateixeiraateixeira Posts: 72,587
    I think you got some very competitive price quotes.

    My dealer charges something like $450 for the 30k service alone, so that's worth considering. I do everything myself, but if you're not the do-it-yourself type and don't expect to move out of town, you may actually come out ahead. Just make sure you like that dealer and will want to come back. Talk to the service manager, check out the service bays.
  • xwesxxwesx Fairbanks, AlaskaPosts: 8,567
    Agreed; Plus, the dealer is getting a good deal from you because they have just guaranteed your business and you paid up front!

    On the Gold plan, find out if you can get the 100,000 mile plan for that price if you think you will us that many miles in 7 years. I think it is better to run out of time (if possible) rather than run out of warranty due to miles. But, if you manage to hit your mileage limit near the time limit.... you did it just about right!
    2010 Subaru Forester, 2011 Ford Fiesta, 1969 Chevrolet C20 Pickup, 1969 Ford Econoline 100, 1976 Ford F250 Pickup, 1974 Ford Pinto Wagon
  • ths258ths258 Posts: 10
    xwesx and ateixeira, thanks for the input!

    I think I will drop both. The following is my reasoning:

    As per the $700 Maintenance plan, Subaru included the 24000/2-year maintenance plan for free with my purchase (it is a Texas promo). So, that $700 is buying me the 30000, 37500 and 45000 service. And those last two services are largely just oil changes/rotations.

    As for the $1000 extended warranty, with subaru.net offering the same deal for $1020, it seems delaying the purchase is not a costly decision. I only pay a $20 penalty if I want it later.

    What do you two think?
  • xwesxxwesx Fairbanks, AlaskaPosts: 8,567
    Seems reasonable to me; especially if the price on the extended warranty remains stable. You will not be using that warranty for a while anyway, so you might as well keep those dollars working for you.
    2010 Subaru Forester, 2011 Ford Fiesta, 1969 Chevrolet C20 Pickup, 1969 Ford Econoline 100, 1976 Ford F250 Pickup, 1974 Ford Pinto Wagon
  • ateixeiraateixeira Posts: 72,587
    My dealer charges something like $500 just for the 30k, so it still seems like a pretty good value. As long as you don't expect to move or sell it.

    Wait on the warranty, you'll make up that $20 in interest on the $1020 in the 3 years you have to decide.
  • ths258ths258 Posts: 10
    Say the 30000 mile service is $500. That leaves $200 for the 37500 and 45000 service. Those latter two services are largely oil change/rotation, which should come in well under $200. I also suspect your dealership also includes more 30000 items for that $500 than what the maintenance contract includes (i.e. AT fluid/filter change). Post #16 lists what Subaru covers/expects for maintance. From what I read, dealers augment this service list for what they define as the 30000 service.

    The last thing that bugs me about the maintenance plan is that it includes a coolant change. Yet the 2009 Outback has coolant that lasts 100000+ miles.

    So I did reject both. I hope to pick up the extended warranty later. There have been several references in the forums that better offers are made by Subaru in the mail, over time.
  • ateixeiraateixeira Posts: 72,587
    Yeah, I guess it's a good value if you were going to purchase those things anyway, but if they're not necessary, the value then erodes.
  • bigdadi118bigdadi118 Posts: 1,207
    My Outback will be 3 yrs by end of month, just bought Gold Plus 7yr/100,000 mi./ $100 ded at $1,200. This is the lowest price I can find. Just an insurance for a big job if ever needed. Paperwork is in the mail. I think if the warranty was not claimed and can get refund upon maturity.
  • hi, BigdadI118, where did you get your warranty from? I live in Ohio and I am finding many BIG price differences.
    Thanks,
    Jilly'sMom
  • paisanpaisan Posts: 21,181
    Yup. I have the Gold Plus and they replaced turbo, pistons and rings in my 05 LGT.

    -mike
    Subaru Guru and Track Instructor
  • ateixeiraateixeira Posts: 72,587
    All that track time didn't void the warranty? ;)

    Just yanking your chain, you know that.
  • kellmackellmac Posts: 10
    My mom is shopping for a used '09. In the past I have used Carfax but I now know the information is mostly limited to public records, which may be incomplete.

    I have heard that Autocheck is affiliated with Equifax and therefore there is more information. Which would seem to imply that they are using purchase information. Somehow that seems like a violation of privacy but that sort of database would likely be more comprehensive.

    Has anyone had any experience with Autocheck? Any rants or raves? The one criticism I read somewhere was from someone that gave their subscription pretty heavy use and it was terminated for suspicion of commercial purposes.

    Also, is anyone aware of any Technical Service Bulletins (TSBs) on the 09s, or does it matter since the vehicle would be under warranty?

    Also, can someone give me a quick refresher on the difference between Subaru Added Security (SAS) and the Gold Plus extended B to B warranty? I get the impression that SAS covers routine maintenance, is that correct? How much extra is that? Is it worth the extra money? Would a used Subaru be eligible?

    Finally, I'm surprised I haven't seen any posts here regarding significant savings off of the retail price on the Gold Plus. The last time I bought a Subaru Gold Plus I got a quote from Stacy Subaru (Brattleboro VT) and used it to negotiate with the dealer I was buying from (they matched the quote). I forget the exact numbers but I think I saved 40% to 45% off of retail.

    On behalf of my mom, thanks in advance. :D
    ~Cath
  • bigdadi118bigdadi118 Posts: 1,207
    Jilly's Mom

    Click my name and email me for info...
  • bigdadi118bigdadi118 Posts: 1,207
    ~Kath

    Subaru Added Security = Extended Warranty
    It contains 2 plans : Basic, Gold Plus
    Of course Basic covers basic stuffs and Gold Plus covers like new car bumper-to-bumper, road side assistance, towing, trip interuption. You can stop by any Subaru dealer to get a Added Security brochure to get idea.

    If you want further info please click my name to email me. You can buy these before the standard warranty 3yr/36k mi. expiry.
  • kellmackellmac Posts: 10
    Jilly's Mom,
    Your profile notes that your email is private.

    I did email bigdadi118.
    Thanks,
    ~Cath
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