Owning a vehicle brings about a sense of freedom and autonomy, allowing you to go where you want, when you want, without waiting for other modes of transportation like the bus or ride-shares. For vehicle owners, taking care of their car is essential in helping to maintain that sense of freedom. The best way to ensure your vehicle can last for years to come is with proper maintenance.
One of the most common maintenance tasks that car owners should consider is oil changes, which should be done every three months or 3,000 miles. Aside from oil changes, some other car parts also need regular maintenance to help keep your vehicle running properly. For example, air filters, tire rotations, and fluid refilling must be maintained and periodically replaced throughout your vehicle’s lifetime.
You may wonder how to keep repairs and maintenance costs to a minimum. And, if you are considering purchasing a new or used vehicle, or if your manufacturer’s warranty is expiring soon, the best way to protect yourself from unexpected repairs is to keep up with this maintenance and consider an auto protection plan or extended warranty.
Types of Warranties
A warranty, also referred to sometimes as a vehicle service contract (VSC), is a contract where your vehicle will be covered from unexpected repairs and breakdowns that fall outside of your insurance coverage. While warranties can come in all different shapes and sizes, the most common types of warranties are:
- Factory Warranty
- Corrosion coverage
- Emissions warranty
A factory warranty is provided when you purchase a vehicle from a dealership. This type of warranty states that your car will be covered for any necessary parts and labor in the event of a malfunction stemming from a manufacturer defect, such as in the materials used or the craftsmanship. This coverage will also include any components that may have suffered wear and tear as well.
While this type of coverage is suitable if you buy a new vehicle, used and older vehicles may lack any factory warranty coverage based on the vehicle’s initial warranty. That’s because many factory warranties typically last between three years or 36,000 miles total on the vehicle, not just the total amount of miles you have driven after your purchase.
For example, if you purchase a used vehicle with 26,000 miles on a 36,000 miles factory warranty, you will only be covered for the first 10,000 miles you drive. The same is true for a vehicle’s age, as a four-year-old used vehicle with only 15,000 miles will still be past the initial three-year warranty.
A powertrain warranty is one of the most well-known types of warranties available and covers all engine and transmission parts for at least three or five years after the purchase date.
Although it is not as inclusive as a factory warranty, a powertrain warranty can help with repairs and preventive maintenance costs. It also covers you if your vehicle is stolen or damaged in an accident.
Many dealerships may include this horsepower of protection when selling their vehicles, but they will usually charge extra for it.
This type of warranty covers all mechanical and electrical components for three to five years after the purchase date. It also includes tires, glass, body panels, accessories like stereos, and other parts ― from the rear bumper to the front bumper.
This is typically a good choice for second-hand cars, as it can cover you if your vehicle was damaged prior to purchase.
This type of warranty will cover rust and corrosion damage for the lifetime of your vehicle. It typically includes chrome trim, exterior molding, wheels, grilles and fenders. However, it is important to note that this type of coverage may not include body panels or the undercarriage.
An emissions warranty covers all the required components if your engine has been damaged due to normal wear and tear after 90 days or 3,000 miles. It also covers any repairs that are needed for vehicles that have had their catalytic converter removed. This can include anything from the engine to transmission or air conditioning.
Since 2006, we here at Endurance have had one goal – Empowering Confidence for the Road AheadTM. To do this, we take pride in offering six levels of comprehensive and flexible vehicle protection plans to help keep you and your vehicle on the road for longer, all at pricing that can fit your budget. We are also known as a direct administer of our plans, which means that we will work with you in every step of your service claim without the hassle of speaking to third parties.
As one of the most well-known providers of extended auto warranties, Carshield was founded in 2005 and states on their website that they “specialize in shielding [their] members from the high cost of automobile repairs.” Unlike Endurance, Carshield is a vehicle service contract broker, meaning that Carshield is not a direct administrator of their plans. Despite this, they are still a popular choice for car owners, covering over 1 million vehicles in their 15+ years of business.
Like other prominent vehicle protection plans or extended warranty providers, both Endurance and Carshield can give you various coverages. And as you should before making any purchase, it is essential to do your due diligence and research all the available coverage options and how they can help you.
To get you started on your research, you can find a brief summary of the different auto protection plans offered by Endurance and Carshield.
Endurance Vehicle Protection Plans
We offer a more comprehensive service with our newest package, EnduranceAdvantage. This protection plan includes up to $3,500 of coverage for your maintenance costs that aren’t always included in other plans or with warranty providers. This includes essential yet often overlooked services, such as oil and filter changes, brake pad and wiper blade replacements, and more comprehensive component coverage.
The Supreme plan is what is known as an exclusionary coverage plan. This helps to protect your vehicle from sudden breakdowns while excluding some specific components. If you are looking for a plan that closely resembles manufacturer standards, or if you rely on your vehicle heavily―this is the plan for you.
Offering the most complete component coverage available at Endurance, the Superior plan covers hundreds of specific components along with having a high level of stated component coverage.
The Select Premier plan is ideal for owners of high mileage vehicles up to 150,000 miles. This is because crucial components such as your transmission and drive axle assembly are all covered, including select lubricated internal engine parts and other major systems like electrical and cooling.
As the most affordable vehicle plan available at Endurance, the Secure plan covers lubricated engine parts such as the transmission and water pump, along with more expensive transmissions and powertrain systems.
If you are looking for a plan that protects vital vehicle components like your brakes, engine, transmission, air conditioning, and steering, then the Secure Plus plan with Endurance is the one for you. Electrical components and other parts also are included in this coverage option.
As the top-tier plan offered by Carshield, the Diamond plan covers almost everything from the engine to the transmission, as well as fuel pump breakdowns. This plan is similar to a factory warranty.
The Platinum plan offered by Carshield is comprehensive coverage that is ideal for high mileage vehicles and will cover the components such as the starter, water pump, transmission, and more.
Described as a “Power Train Plus” coverage, the Gold plan offers coverage for both major and minor components, such as your engine, transmission, starter, A/C, power windows, alternator, and more.
As Carshield’s most affordable policy, the Silver level of protection is similar to a general powertrain coverage for the most critical parts of your vehicle. This includes all lubricated parts of the engine, transmission, and water pump.
Known as the “Specialty Coverage” from Carshield, the Aluminum plan is their ideal for coverage for most electrical and computer issues in your vehicle. This includes the engine control module, starter, alternator, GPS/navigation and more.
Why Endurance May Be the Best Choice For You
When searching for an extended warranty or any other type of auto protection plan, it’s essential to consider the coverage you need and the plan’s cost. Read through your contract details carefully and don’t forget anything important. Each level of our Endurance protection plans can offer you extensive component coverage, all at pricing that can fit your budget.
In addition to the standard features that come with each of our auto plans, you’ll also get a year’s worth of Endurance Elite Benefits for free, such as up to two free tire repairs/replacements and key fob replacements. Along with these perks, Endurance auto protection plans also come with 24/7 roadside assistance and towing services, as well as substitute transport in case you experience an unexpected breakdown while you’re on your next road trip or vacation.
Contact us today to receive a free, no-obligation quote or visit our Learning Center to discover more informative and helpful articles on various topics such as common repair issues, vehicle buying guides, and expert auto tips.