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www.saccuccihondacare.com
Yes, that's due to Florida laws which only permits warranties to be sold by in-state dealers.
The Sandman :sick: :shades:
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
It's became an enforcement issue IIRC. Florida at some point decided that extended warranties were insurance policies so they could only be purchased from insurance agents. Every dealer has one licensed insurance agent so they can sell them.
Re: Florida Law regarding extended warranty pricing [robr2] by shortyes May 13, 2012 (4:52 pm)
Replying to: robr2 (Apr 16, 2012 4:05 pm)
I found this revision recently for Florida. It might be the one thing I am glad about Rick Scott. I found this in a different forum.
Motor Vehicle Service Agreement - Forms & Rate Issues
As a result of SB 2176, effective 06/01/2010, the requirement that forms and rates for motor vehicle service agreements (also referred to as an auto extended warranty).be filed and approved by the Office of Insurance Regulation has been lifted.
By July 1, 2011, each service agreement sold in this state must be accompanied by a written disclosure to the consumer that the rate charged for the service agreement is not subject to regulation by the OIR. A service agreement company may comply with this requirement by including such disclosure in its service agreement form or in a separate written notice provided to the consumer at the time of sale.
The OIR may order a service agreement company to stop using a form that:
1. Is in violation of or does not comply with the Florida Insurance Code or an Administrative Rule.
2. Contains any inconsistent, ambiguous, or misleading clauses, or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the service agreement.
3. Has any title, heading, or other indication of its provisions which is misleading.
4. Is printed or otherwise reproduced in such manner as to render any material provision of the form substantially illegible.
5. Contains any provision which is unfair or inequitable or which encourages misrepresentation.
6. Contains any provision which makes it difficult to determine the actual insurer or service agreement company issuing the form.
7. Contains any provision for reducing claim payments due to depreciation of parts, except for marine engines.
I was sold a Zurich Optional Service contract with purchase of a new Honda. (its just yesterday).
Should I cancel it? as many forums I read sound like this is a third party warranty. (Finance guy told me this would cover electronics as well at $0 deductible and unlimited miles of towing if required).
If I have to cancel it how do I do it? I live in CA.
Whats better Optional Service contract or EW?
I was sold a Zurich Optional Service contract with purchase of a new Honda. (its just yesterday).
Should I cancel it? as many forums I read sound like this is a third party warranty. (Finance guy told me this would cover electronics as well at $0 deductible and unlimited miles of towing if required).
If I have to cancel it how do I do it? I live in CA.
Whats better Optional Service contract or EW?
Also want to know if someone know more about Zurich?
But IMHO, you should cancel it and get a Honda warranty instead if you really feel the need to have one. You can search around here and find a couple of dealers that sell them pretty reasonably.
To cancel the Zurich, read the contract you signed. It's in there somewhere.
Oh and there isn't any sort of buyer's remorse law that will allow you to cancel it. That only applies to in-home sales. So read the contract and follow what it says.
Now when I get a new car, I instead put $50 a month into a slush fund to use for unexpected repairs. If none are needed, it's becomes a down payment on the next car.
Thanks!!
I went with Saccucci. Very easy process... quote via internet followed with a phone call. Email confirmation received in minutes.
The online dealer may offer a 6-12 month payment plan if you can't pay it all at once -- ask them to see what options are available
There are no cons. The paperwork gets mailed from the same Honda corporate office whether you buy it from the local dealer or the online dealer. The only difference is the price you pay.
The TPMS light in my 08 S2000 is on. The low tire light is OFF and the tires are properly inflated. So a fault in the system, bad sensor, etc.
Thanks!
Dennis
Quick google search for "honda care tpms" shows defective sensors were covered under HC, like post 13 & 16 here: http://www.hondasuv.com/members/showthread.php?t=53137
Sometimes a sensor may lose programming so it might just need to be reset with a TPMS tool (dealer or any tire shop) -- had this happen recently on my Nissan. The TPMS light would flash for a minute after starting the car and then remain solid -- I checked sensor readings on the nav screen and it wasnt picking up one of the sensors. Didnt feel like paying to have it checked out so I left it alone hoping that the sensor would wake up on its own, but it never did (left it like that for 3-4 months)
The dealer where I bought the car from sent me a $20 oil change + tire rotation + free inspection coupon in Dec so I decided to go in to see what they would say. They didnt bother asking me anything about the TPMS light -- the tech working on my car simply checked the tire pressure and then reprogrammed the sensor for free. Been driving around for a month and the light hasnt returned *knock on wood*
First find a good deal on a new Honda and buy the car then you can buy HC online if you want to extend the factory warranty. You have until 6m/6k miles to get HC "new car" pricing -- after that the price goes up (you have to buy it before your 3yr/36k mi warranty expires)
It varies from person to person on if HC is worth it -- if you plan on having your car fixed at repair shops then buying HC for a discounted price online is worth it (that way you can take it to any Honda dealer if there's a problem and have it repaired with original Honda parts). If you can do some repairs yourself or you live in an area where there are good independent repair shops then it may not be worth it
Another thing to consider is if you're buying a newly redesigned model or end of the life model. On the 06-11 Civic, the early 06-08 models had problems that were fixed in later 09-11 models. On the 08-12 Accords, the early 08-09 models had problems that were fixed in later years. If you're buying a newly redesigned model then its probably worth it -- if there are problems with the early models and it takes Honda 3-5 yrs for them to admit the problem and issue technical service bulletins then your extended HC warranty will cover it. Only car recalls are fixed for free with or without warranty, but TSBs are only free if you're still under warranty
When I bought my '11 Civic LX, I decided to skip HC since the LX is just a basic trim (nothing fancy inside) and '11 was the final year of that Civic model (most of the car problems from 06-08 Civics were fixed in 09-11 models). Another thing is that I can do small repairs myself and if something big comes up after the factory warranty expires then I have a couple of good independent shops where I can take my car to. I also like to do my own maintenance earlier than necessary with quality parts/fluids so I know that its done right and that I shouldn't have any problems due to lack of maintenance
It's like health insurance...it's a total waste of money until you get sick!
The Sandman :sick: :shades:
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
Saved me lots of money.
Does HC extended coverage INCLUDE, Sentinel road hazard, concierge, etc, or must that be purchased separately? (road hazard seems to be excluded in NY?).
The dealer seemed to be presenting the plans like "3 card monte", the only thing I was dissatisfied by the new purchase!
If extended HC is purchased thru Hyannis, Bernardi, etc, is the Honda payment plan an option, or one total payment?
Your dealer may offer 3rd party protection plans (they'll have brochures in the finance dept), but here are the different Honda products:
http://www.hondafinancialservices.com/finance/extended-services (brochure links on the right)
Honda Care -- extends bumper to bumper warranty and offers these benefits (no oil changes or road hazard tire coverage):
http://www.hondafinancialservices.com/static/pdf/Honda_Care_Coverage_Details.pdf-
Roadside Assistance1, 2
Concierge Emergency Service1, 2, 3
Rental Car Reimbursement1
Trip Interruption Benefit1, 2
Personalized Travel Plan2, 8
Interest-Free Payment Plan4
Extensive Component Coverage5
Service You Can Depend On6
Transferable Coverage1, 9
Commercial Use Coverage7
Honda Care Sentinel Services™: This plan covers oil changes according to your vehicle’s Maintenance Minder.
http://www.hondafinancialservices.com/static/pdf/Honda_Care_Sentinel_Coverage_De- tails.pdf
Both Sentinel plans also include a suite of benefits such as road hazard tire protection10, concierge emergency service1, 2, 3 and roadside assistance1, 2.
Honda Care Sentinel 3/45. This premier plan provides both oil change and extensive component coverage for three years or 45,000 miles.
http://www.hondafinancialservices.com/static/pdf/Honda_Care_Sentinel_345.pdf
Both Sentinel plans also include a suite of benefits such as road hazard tire protection10, concierge emergency service1, 2, 3 and roadside assistance1, 2.
The Sandman :sick: :shades:
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
These experts understand the majority of owners will spend less than the price on repairs over the period covered by the contract. Therefore it is reasonable for a buyer to conclude the cost to repair all events covered by the contract will be less than the cost of the contract for most buyers.
Making the purchase of a service contract even more dubious is dealers also include their profit, which can sometimes be more than the actual cost of the contract.
Dealer finance and insurance people are experts at making potential service contract buyers believe they need the contract. Fear is the dealer's best weapon. I always find it amusing to ask the F&I person, when they play the repair fear card, why I should buy the vehicle if it has such poor reliability?
$15 first six months. I realize the $250 deductible is significant but, if the Accord reliability holds true, I don't anticipate many claims and would defer using it if they're minor issues.
I have 3yrs/36,000 miles to change my mind about HC.
As for HC Maintenance, $1000 for 4 yrs seems excessive.
2yrs/24K free oil changes was already included with the purchase
A while back our son was visiting us in Ga. from In.
His Chevy Suburban had a tranny problem. He had an aftermarket EW. It was a "Good" one as the Chevy dealer he worked for sells them.
The dealer here had it torn down in a half day and determined it needed a new or re-manufactured replacement. The EW company wanted to "SEE" the tranny first hand.
Ten days later they were back on the road. Ten days!
Their child missed 6 days of school and my son missed 8 days of work, selling cars on commission.
That "Cheap" EW was not a good investment.
Kip
The Happy Sandman :sick: :shades:
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
I have been very happy with their insurance coverage the past 20-25 years which has provided multiple road side assistance issues and likely 6-8 windshields over that span.
NOW, with all that being said, I am leaning back to the HC 72mos/80K miles.
I'm also considering the HC Maintenance plan but, can't seem to get a real sense of what routine maintenance is required & it's cost in the first 4 years to make a valid comparison. "Wear items" of course aren't covered by the maintenance plan either.
(1) 15 oil changes;
(2) 7 tire rotations;
(3) 2 coolant changes;
(4) 1 tranny service (automatic). All done within the 1st 45k miles.
Think we paid around $400.00 back in June of 2005 if my memory serves me correctly. We were not going to do it at first but after doing some quick calculations, we decided to go ahead with it, our 1st time ever doing this. Looking back, we both agree it was the right decision for her as it forced us to do these things. But make sure it's all spelled out "in plain understandable English" as the service manager tried to tell us that we just bought the oil changes and tire rotations. We had to get the GM involved and of course he backed me up 100% and the service manager had to eat crow. This didn't go over too well and he was quite rude to me after that incident so after the 45k miles were done, I only did one more oil change there when they had the new Express Lube station where the oil change and all was done in under a 1/2 hour. Ours took 46 minutes and when I pointed out their own sign to them, they reluctantly gave it to me for free, and again they were fit to be tied. I even asked them why did they put that guarantee up on the wall like they did for all to see if they had no intention of fulfilling their promise. He muttered something unintelligible to me and handed me my keys and receipt stamped "paid in full" and I was outta there. We like their vehicles but their service department leaves a lot to be desired which is exactly what I told the general manager when he placed a follow up call to me. Still waiting to hear back from him as he promised...and this happened a year ago June. Gotta feeling that this will be our last Mazda but one never knows...she might just decide to get another 3 if the Accent and Rio aren't what she thought which I think is going to happen here. I've learned to expect the "unexpected" when it comes to things like this with the ladies in our house...the mind changes easily and somehow it's always my fault to!
The Henpecked Sandman :sick: :shades:
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
You're looking at oil changes, tire rotations, wiper blades, air & cabin filters mostly -- radiator coolant drain/fill & regular trans fluid drain/fill around the 3-4 yr mark if you want to or you can wait til the maintenance system tells you to (not sure about the CVT trans fluid in the new Accord, but if its like Nissan's CVT fluid then it should last a long time)
I bought a 2011 Civic 2 years ago and it currently has 22.8k miles on it -- so far I've done:
> 5 oil changes (first 2 at a dealer, last 3 on my own)
> 1 tire rotation around 17k mi (every 5k-10k seems excessive to me, every 15k-20k is fine by me)
> 1 wiper blade refill, 2nd one coming up (every few weeks I use a rag to quickly clean the wiper blades and the windshield area it sits on so they last longer, local dealer has OEM refills on sale for $4/each every few months so it comes out to ~$9 w/ tax)
> 2 air & cabin filters (change them out once a year, easy to do on your own)
I plan on changing the coolant (drain/fill radiator) and trans fluid (drain/fill trans) on my own every 30k-35k miles so that there's some fresh fluid in there -- want to avoid paying a shop to do a full flush at a higher mileage
Local dealer shows me a price sheet for the various intervals with the price then, states PLUS the pack fee?
The Sandman :sick: :shades:
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
None of us should ever forget Rusty Wallace's favorite extended service provider, US Fidelis. How many unsuspecting souls were burned by that fiasco?
If a person really feels an extended service contract is needed, despite all the experts who advise otherwise, there is no question it is best to pay more for an OEM plan. Also ... my opinion as well.