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Extended Warranties

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  • mikefm58mikefm58 Member Posts: 2,882
    can u get a factory/manuf. ext warr. even after the original B2b has expired...Say if u are 55k miles and within 3yrs but B2B of 36k/3yr has expired??

    That probably varies from manufacturer to manufacturer, with each having their own limits in regards to age and miles of the vehicle. I'd say go to the manufacturer's website and do some searches there.
  • sharonohiosharonohio Member Posts: 3
    if I wait to get an extended warranty (service contract, whatever it's called) than to buy it now when the car is brand new? I'm planning on canceling the Fidelity warranty I bought and maybe waiting a few years (at least until the 3/36 is almost up). Or I may go with the GEICO one ($68 a year is cheap) and then change later. Can I get a manufacturer's extended warranty at that point?
  • delthekingdeltheking Member Posts: 1,152
    It is always better u buy the ext.warr as soon as u can because the max. u can get for almost all manufacturers is 7yr/100k miles.And that 7 yr/100k is from the date of purchase of the car.
    So if after 2yr you have 30k miles u can buy the ext warr for an additional 5yr/70kfor a total of 7yr/100k.
    So no matter when u buy the policy,the ext warr will be upto 7yr/100k.
    But normally the closer u get to 3yr/36kmark ,,the more expensive the warr.gets.
    So u are better off buying the warr. at the earliest if u plan to keep the car for some time.
    If u plan to keep it for only 3yr or less than 36k then there is no point.
    But I am assuming,u want to keep your car for a much longer time,,,hence the ext.warr.

    For a chevy Cobalt,,u are more likely than not to use the ext.warr.
    Cancel the Fidelity warr-- it`s a useless coverage with no payment of claims and lots of exclusions...Also it`s BBB rating is horrible with many complaints!
    Geico again has lots of exclusions--it is not an ext warr.,,it is a mechanical breakdown coverage only!!

    Buy an original Manuf . warr-- GM ext warr.-- which u can buy online from any dealer in US or at your local Chevy dealer.
    Just MHO.
  • thekingtheking Member Posts: 107
    Always get the xtended warranty from manufacturer. I had a call from a 3rd party company who wanted to sell me his company's warranty. I asked to send me a brochure...the idiot said he will need my valid charge card # which he would not bill to send me a brochure. If anyone gave him their charge # for a brochure. .. they should not be driving. they are too stupid! As John Wayne once said;"Life is tough..it is tougher if you are stupid" ;)
  • bubsy1bubsy1 Member Posts: 6
    Does anyone have any information if Honda is going to promote a buyer protection program similar to the one's that Ford, GM and Hyundai are currently promoting?

    I'm particularly interested in the in the program that the car company will pay one's monthly payments if the one loses their job.

    Thanks very much.
  • mitchfloridamitchflorida Member Posts: 420
    I doubt if Honda will have anything like that. There is a dealer Autonation that sells new Hondas that has some kind of protection like that for free.
  • mitzijmitzij Member Posts: 613
    I ACTUALLY know that third parties pay dealers more and that we in the management make out better in the long run with aftermarkets. Not only because we get paid more but make more off of them.

    Exactly. The profit margin is higher. The percentage of people who have payable claims is lower. The claims you do get probably average higher than mf/backed claims because of the use of warranty labor time guides rather than Chilton or Motors for the mfr plans. The seller of the service contract makes out like a bandit.

    The customer, on the other hand, doesn't get what he thinks he paid for. The shiny brochures and slick websites imply (or state, then retract) bumper to bumper coverage. They say they'll cover rental and towing and lodging, then the contract turns out to have limitations and caveats that the customer wouldn't think of. He quite often gets poor customer service and/or shops that refuse to deal with the contract company because they've been burned one too many times.

    Meanwhile, the agent of the VSC company is happily oblivious-he's got his money, the customer's problems aren't his to deal with.
  • mitchfloridamitchflorida Member Posts: 420
    I should mention that if you cancel your GEICO insurance policy, your extended warranty goes out the window.

    Be prepared to stay with GEICO through thick and thin for 7 years, no matter how much they charge for your insurance.
  • rnixonrnixon Member Posts: 39
    Most good aftermarket companies mirror factory coverage almost verbatim.
    And I have seen very few that don't pay Chilton rates. To continually tell people different is irresponsible since it's just not true. Every company I have personally signed to a dealer has had no problems paying chilton rates.
    Every agent of an aftermarket company has to deal with headache claims, that's part of their job. Anytime I've had trouble at, we call the agent and tell him to fix it, if he didn't fix it (and he always has) he wouldn't be there. Of course those are legitimate claims, but he's also made sure we got a lot paid that weren't necessarily valid claims. That's called good will claims, and that happens a lot, it rarely happens with factory because they are more cut and dry on issues like that.
  • navigator808navigator808 Member Posts: 2
    I have a 2005 Lincoln Aviator which I will be using in Mexico. The Ford ESPs are only valid in the United States and Canada. Does anyone know of a company that offers an extended warranty or service contract which is valid in Mexico?
  • mitzijmitzij Member Posts: 613
    Most good aftermarket companies mirror factory coverage almost verbatim.

    No. They don't. Their exclusions lists are longer, and the loopholes are bigger.

    And I have seen very few that don't pay Chilton rates. To continually tell people different is irresponsible since it's just not true. Every company I have personally signed to a dealer has had no problems paying chilton rates.

    That's not what my post said. Reread it.

    Every agent of an aftermarket company has to deal with headache claims, that's part of their job. Anytime I've had trouble at, we call the agent and tell him to fix it, if he didn't fix it (and he always has) he wouldn't be there. Of course those are legitimate claims, but he's also made sure we got a lot paid that weren't necessarily valid claims. That's called good will claims, and that happens a lot, it rarely happens with factory because they are more cut and dry on issues like that.
    Next you'll tell us SCCs are philanthropic organizations with no concern for profit.
  • mitzijmitzij Member Posts: 613
    Considering the state of Mexico at the moment-I'd be surprised if there are any SCCs in the US that would be willing to cross the border.

    Good luck in Mexico. Please come back in one piece.
  • delthekingdeltheking Member Posts: 1,152
    Are u temporarily driving in Mexico or permanently taking your vehicle there ?
    As far as I know,,,no ext warr. company will cover outside of USA.
    If what u are asking about is auto insurance when driving in Mexico,,that is a totally different issue.Quite a few company companies provide insurance while in Mexico.
  • tidestertidester Member Posts: 10,059
    Hey, folks, we really do insist that the discussion remain on topic. More messages have been removed. You should know that continued off topic diatribes may result in a "time out" for offenders or possible loss of posting privileges.

    tidester, host
    SUVs and Smart Shopper
  • rnixonrnixon Member Posts: 39
    No one will reliably cover your car in Mexico, the propensity for fraud is too great.
  • jipsterjipster Member Posts: 6,296
    How do you feel about AAA (Triple A) extended warranty?
    2021 Honda Passport EX-L, 2020 Honda Accord EX-L, 2011 Hyundai Veracruz, 2010 Mercury Milan Premiere.
  • rnixonrnixon Member Posts: 39
    You might want to check with dealer, I know some dealers that offer walkaway insurance, regardless of the manufacturer. When a manufacturer does it, they are contracting with one of the companies that offer this protection. They are one of the third party providers that some on here seem to loathe so much. Yet those companies are the innovative ones, that particular type of insurance originated in canada and has been up there for years. Just read fine print, it's decent protection, but with everything else just follow the rules.
  • tidestertidester Member Posts: 10,059
    This topic is temporarily closed. Take the time to ponder the utility of off topic fulminations.

    tidester, host
    SUVs and Smart Shopper
  • tidestertidester Member Posts: 10,059
    We're back. Now play nice. :)

    tidester, host
    SUVs and Smart Shopper
  • navigator808navigator808 Member Posts: 2
    I am permanently bringing my vehicle down here - I already have Mexican auto insurance. Am just looking for an extended warranty plan which is valid in Mexico. I know Chrylser offers this for their vehicles, but this seems to be pretty much the only company with this policy. I may have to check with Ford here in Mexico - maybe they can help me... BTW, does AAA offer extended warranty plans? I couldn't find any info on this on their website.

    Thanks for your input so far...
  • delthekingdeltheking Member Posts: 1,152
    I don`t think any American ext warr company will cover for a vehicle in Mexico.B`cos then it would involve too much of a hassle with country laws ,exclusions,maintenance proof etc.,etc.
    But if u are staying in Mexico permanently,,then it is better to search for local Mexican ext. warr companies.Probably the Ford/GM dealers down there can get u a warr..
    So if u have any contact info of the Ford/GM dealers in Mexico,,call them and they could help u.That would be your best bet.
    Good luck..
  • joel0622joel0622 Member Posts: 3,299
    Read the warranty book in the glove box. There is a section that talks about if your car breaks down in a country that does not honor the warranty you can be reimbursed for the cost of the repair one you return to a country that does honor it.
  • cpr3cpr3 Member Posts: 16
    Hi there -

    In taking a look through this stream, I was wondering where you obtyained this info and was it for APCO. If so, could you tell me what the updated prices might be for dealer wholesale for an easy care -total gold package for the various years/miles- thanks so much -
  • mitzijmitzij Member Posts: 613
    That post is referring to GMPP-General Motors Protection Plan, not related to APCO/Easy Care.
  • jeep415jeep415 Member Posts: 3
    Am based in CA with a 4x4 Grand Cherokee 2005. 36k factory warranty just ran out so am shopping for an extended warranty.

    I have not found any negative reviews on warranty direct.

    They are CA approved and seems to have a pretty comprehensive coverage with named components

    Any feedback would be appreciated.
    Thanks!
  • jipsterjipster Member Posts: 6,296
    I have not found any negative reviews on warranty direct.

    You must not have looked very hard? Did you do a discussion search (at top of page)?

    Warranty Direct seemed okay to me when I researched the company a while back. They've called and e-mailed me multiple times, saying time is running out before the rates would go up on my Mazda MPV. But, they are a third party extended warranty.... which as you know, is like having the curse of the undead put upon you.
    2021 Honda Passport EX-L, 2020 Honda Accord EX-L, 2011 Hyundai Veracruz, 2010 Mercury Milan Premiere.
  • joel0622joel0622 Member Posts: 3,299
    The BBB is your friend

    When you search them they have 4 different BBB listings under two different name
  • tm0711tm0711 Member Posts: 2
    I jutst purchased a fully loaded 2009 camry hybrid for $26,350 and received pressure to buy extended warranty for $1300. I said I wouldn't do it until I fully read and understood what I was buying. Is this reasonable price and is it worth it?
  • delthekingdeltheking Member Posts: 1,152
    U can get a Toyota Manuf warr for around 1300...so this is a really good price u got.
    It`s a hybrid too,so,,Go ahead and buy it if u plan to keep your car atleast 4-5 years or drive more than 36k.
    But make sure it is a original Toyota Manuf warr..--not a 3rd party warr.A dealer can sell u any warr he likes-- manuf. or 3rd party.But he makes more profit on 3rd party -so he pushes them more.These 3rd party ones are useless,they dont pay anything.
    So confirm with him on this and get a Toyota Manuf warr.U can read the Toyota Ext warr details on The Toyota website!!
  • dtownfbdtownfb Member Posts: 2,918
    How long do you plan to keep the vehicle and how many miles do you typically drive a year? The powertrain is covered for 5 yr/60k miles. Do you need more coverage than that?
  • cn2000cn2000 Member Posts: 2
    Hi all- sorry, but I have a very naive question and was hoping for some help. Just bought a Honda certified used '08 civic with very low miles and was excited to get the 7 yr/100,000 mile powertrain and 4 yr/48,000 mile "bumper to bumper" (with the 1 yr extension from certification) (essentially getting a new car with a better warranty for lower price). However, when the finance guy came out at the end, he offered me Honda Care "bumper to bumper" (for way more than the online prices- shocking, I know). I told him the car salesman had used the same term to describe the 4/48K warranty, but Mr. Finance insisted they are completely different. My questions are as follows:

    1) Does the Honda Care just potentially extend the exact same 4/48,000 coverage to, say 7/100,000 (if I buy that plan) or
    2) Does the Honda Care plan actually cover different things that would not be covered for the first 4/48,000? (This is what the finance guy led me to believe and of course tried to scare me into multiple expensive scenarios that wouldn't be covered without Honda Care. Since he already told me the time of purchase was the ONLY time I could buy Honda Care, I am now viewing everything he said with a large amount of skepticism.)

    I've already got the 7/100,000 powertrain through Honda certification, but I'm confused about the "bumper to bumper" (or "limited factory warranty" as the finance guy called it) part. I still have some time to buy a "new" Honda Care, if it's worth it in this case. Thanks in advance for any advice and opinions!
  • delthekingdeltheking Member Posts: 1,152
    Yes, The ext Honda Care 7yr/100k warr is pretty much like the bumper to bumper warr.If u plan to keep the car for atleast 5 more years or 100k miles,then go ahead and buy it.
    Never ever buy a 3rd party aftermarket warr. which sometimes the dealer wants to sell as there is more profit for him..But they are total crap..Only buy the original Manuf.Honda care ext warr. from a Honda dealer.

    U can buy it from any Honda dealer in US or online at any Honda dealer.
    There is a thread in this forum--Honda Care ext warr--folks post the prices paid and the place/dealer where they got it from!
  • mitzijmitzij Member Posts: 613
    HondaCare is a service contract, not a warranty. There is a list of exclusions that you won't see in the factory warranty book. It is the closest you'll get to 'bumper to bumper' in service contract land.

    Just be sure you know what you're buying.

    Read the contract before you fork over your money. It's posted on several websites. Might take some work on your part, but forewarned is forearmed.
  • joel0622joel0622 Member Posts: 3,299
    That is true, the premium plan is an exclusionary contract, meaning it will tell you what is not covered. The biggest differences between it and the factory are usually that the VSC won't cover squeaks and rattles or leaks.
  • 4x44x4 Member Posts: 114
    I am selling my 05 Expedition to my sister in law and I told her to buy an extended warranty on it..it only has 40K miles on it but wanted her to feel comfortable with it for 3-4 more years...I have been looking at warranty companies online and I am kind of confused on who is actually legit and who is not....what a mess...anyone have any 3rd party companies that are worth a darn?
  • mitzijmitzij Member Posts: 613
    I agree with your first sentence, but your second sentence is a direct advertisement-a big no-no here.
  • joel0622joel0622 Member Posts: 3,299
    No it is not a big no here. I did not ask to sell him anything, I did not state the Ford Deralership I work for, or did I solicit his business, I simply told him if he would like some more info on the subject to email me. I know the TOS.

    But thanks for helping me to point out I do work at a Ford Dealership. If you would have asked I would have told you that I have sold over 35 Ford VSC to people off this site and never violated the TOS once. (well maybe once but tidester corrected me) :D
  • tidestertidester Member Posts: 10,059
    well maybe once

    But, hey, who's counting? :)

    tidester, host
    SUVs and Smart Shopper
  • Kirstie_HKirstie_H Administrator Posts: 11,241
    Just this guy.

    image

    "One! One overt solicitation! Ah ah ah ah."

    MODERATOR /ADMINISTRATOR
    Find me at kirstie_h@edmunds.com - or send a private message by clicking on my name.
    2015 Kia Soul, 2021 Subaru Forester (kirstie_h), 2024 GMC Sierra 1500 (mr. kirstie_h)
    Review your vehicle

  • tidestertidester Member Posts: 10,059
    LoL! I knew I could count on you to come up with something humorous!

    tidester, host
    SUVs and Smart Shopper
  • jipsterjipster Member Posts: 6,296
    I have sold over 35 Ford VSC to people off this site and never violated the TOS once

    Nice job on that joel. I've always thought the more reliable the vehicle the less money you will pay on a VSC/extended warranty. How does the cost of a typical Ford VSC compare to the other brands? I'm guessing about in the middle.
    2021 Honda Passport EX-L, 2020 Honda Accord EX-L, 2011 Hyundai Veracruz, 2010 Mercury Milan Premiere.
  • joel0622joel0622 Member Posts: 3,299
    You might be suprised. I used to think the same thing till I started visting here and began studying the Honda VSC prices paid thread. Ford VSC's are in allot of case cheaper then a honda VSC and where theres have to be within the first 6000 miles for the best deal we are 12000 miles.
  • jipsterjipster Member Posts: 6,296
    Ford VSC's are in allot of case cheaper then a honda VSC and where theres have to be within the first 6000 miles for the best deal we are 12000 miles.

    That's good to know. I generally don't go for extended warranties or VSC's, but if the price is right I wouldn't mind a little extra peace of mind on a new Fusion (?).
    2021 Honda Passport EX-L, 2020 Honda Accord EX-L, 2011 Hyundai Veracruz, 2010 Mercury Milan Premiere.
  • joel0622joel0622 Member Posts: 3,299
    A 6yr/100K Premium Care on a Fusion FWD can be had for $870. 6yr/75K runs around $625, as long as a car is within its first 12/12. Thats with a $100 Deductible.

    One thing I find interesting is that the VSC's I sell across my desk here in the office maybe 1 out of 50 will pay for the lower deductible. The majority are happy with the standard $100.

    7 out of 10 people I have helped here pay extra for a $0 or $50.
  • jesterg134jesterg134 Member Posts: 4
    I'm about to purchase a 2004 Volvo XC90 with 58k miles. One owner with all service records from a local Volvo dealerhsip. Vehicle is in excellent condition however the factory warranty has ended. I was looking at Paragon, Warranty Direct or Complete Automotive Repair Services for a warranty. Any suggestions on how I should proceed?

    Thanks!
  • lukaleelukalee Member Posts: 3
    Yes...I purchased a 2003 Mercedes C240 4 matic (62k miles)from private wholesaler vs. a dealer lot. I did have to have some work done on the air conditioner. They paid $287.00, $24 and the sales tax was not covered. The private mercedes repair shop owner said it's a must to have an good warranty on cars of this age because all electronics. He was highly recommended and his specialty is German cars for 30 plus years. I paid $2700 I think for 4yrs 100k miles and no deductible. I dont want any unusual high expenses in the future. Pay now or later no free lunch. He said over time I'd get my money back. And his hourly rate is $55.
    Good luck
  • mikefm58mikefm58 Member Posts: 2,882
    I disagree, especially with a 3rd party warranty. Many of us here have been burned when the 3rd part warranty company went bankrupt or used every word in the fine print to wiggle out of paying a claim or used inferior parts when they finally agreed to pay.

    I just purchased an 08 Chrysler Sebring from Carmax and have no plans on buying the Chrysler backed warranty for 2 grand. For that price, that's a major engine or tranny repair. Rolling the dice? Maybe, but the odds are in my favor and even if I have to shell out the bucks, it won't kill me.

    All you're buying is peace of mind and I don't get that by starting out 2 grand in the hole hoping something will break down and I get my money back.
  • jesterg134jesterg134 Member Posts: 4
    Thanks for the information. I'm still torn as a lot of individuals seem to have been burned by third party warranty companies from what I'm reading. So I'll do some more research and go from there.

    Have a great weekend!
  • jesterg134jesterg134 Member Posts: 4
    Yes, I'm reading some of the stories about people being burned by third party warranty companies. However I am reading a few good stories so I am torn whether or not I should purchase an extended warranty. And if I do, with whom. I just don't want to be stuck with a $5k transmission bill if it goes in the next year or two.
  • carnetguycarnetguy Member Posts: 16
    I don't know what kind of car you're considering but a lot of people in these forums have gotten great deals from Black Pontiac and their gmoutlet.com. These are heavily discounted GM Protection Plan service contracts.
    I understand Black is also working with Warranty Solutions which is the former GE service contract company that Wachovia/Wells fargo now owns.
    Same reliable company with heavy discounts but these programs are on all makes.
    check out 5starwarranty.net.
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