As a car owner, unexpected repairs and expensive breakdowns can be a massive inconvenience. Even if you are adamant about keeping up on maintenance and ensuring that your vehicle is well taken care of, you could still run into problems when you are out on the road. Having a protection plan in place is your best bet if you want help paying for repairs as soon as they come up. By getting the help you need to bring your car into the shop right away, you can avoid high repair costs and pricey problems with your vehicle, no matter what kind of driving you usually do.

When you buy a car new off the lot, it will almost always come with a warranty that is provided by the manufacturer. This warranty is designed to protect you from expensive repairs due to issues at the factory or design flaws and will last anywhere from three years or 36,000 miles to ten years or 100,000 miles. Once the factory warranty is up, though, you will be financially responsible for any problems that might occur, whether they are your fault or not. An extended warranty, which is more accurately called a vehicle service contract (VSC), will be your best bet.

If you are going to make the right choice for yourself and your vehicle, you should know what the different warranty companies offer and how they compare. Endurance and KarCure are two such providers of auto protection plans. By understanding how these providers stack up and what each offers customers, you can protect your used car and your bank account and drive with confidence.

Diving into the Warranty Companies

Endurance Warranty Services Overview

Endurance Warranty has been serving drivers all over the United States for over 18 years. Based in Illinois, Endurance has built a reputation for top-notch customer service and unbeatable coverage designed for cars of all ages, high-mileage vehicles, and many different styles. When you get protection from Endurance, you can choose between an existing plan or customized coverage specifically engineered to give your particular vehicle the best possible protection. This way, no matter what happens, you can rest easy knowing that you will be covered.

Endurance is also well-known for providing award-winning customer service that you can count on when you need it most. Plus, with the Endurance Mobile app, you can get access to your plan 24 hours a day, so you are never without the protection you need. Every Endurance plan also comes with a wide range of standard benefits, including 24/7 roadside assistance, rental car coverage, and trip interruption protection to help get you where you are going, despite any bumps in the road on the way there.

Every Endurance contract holder can access Elite Benefits for a small activation fee, including tire repair or replacement, key fob replacement, $1,000 toward total loss protection, and more. Endurance also covers vehicles that other providers won’t, such as cars used for rideshare or delivery, salvage vehicles, and Canadian Gray Market cars.

We utilize the RepairPal Partner Network to put our customers in the driver’s seat. Through our partnership, drivers can find certified auto repair shops and mechanics near them to work on covered repairs.

Endurance also stands apart from other providers on the market by offering mechanical breakdown insurance (MBI) to California residents. Because of strict regulations in the state, Californians can not access vehicle service contracts. Mechanical breakdown insurance, though, works like a VSC but is regulated by the insurance industry, opening up the possibility of top-notch protection to drivers who otherwise wouldn’t be able to benefit from it.

KarCure Overview

KarCure was founded in 2022 by Brandon Keach out of a desire to provide simple, transparent vehicle service contracts to drivers across the United States. KarCure works with RepairPal Certified shops to provide top-tier repairs for vehicles of all kinds. With a wide range of plans and coverage options available, you are sure to find something that will suit your needs and get you the protection you are looking for.

The thing that separates KarCure from other providers on the market is the company’s easy-to-use online portal. Customers can use this portal to call for roadside assistance and file a claim for their repair. They can also look for a certified shop within the RepairPal network so they can be certain they are getting the highest level of care for their vehicle. KarCure’s mission is to eliminate marketing phone calls from extended auto warranty providers, so they may be a little bit harder to get on the phone if you have a question or need to make a change to your protection plan.

Coverage Options Compared

Both Endurance and KarCure offer a wide range of coverage plans for your vehicle. When choosing a coverage option, be sure to read your contract as closely as possible. Keep an eye out for any exclusions or terms that could affect the eligibility of your repair and make it harder to make a claim. While both of these providers are straightforward about exclusions, it is always a good idea to know as much as you can about your plan.

Endurance Warranty Plans

Endurance offers coverage plans designed to protect vehicles of all kinds. No matter what kind of car you drive, you can find a protection plan or customize one that will help you pay for repairs and avoid costly, unexpected breakdowns when you are out on the road. Endurance coverage plans include:

• Supreme – Endurance’s Supreme plan is the closest you can get to the limited warranty that comes with your vehicle. This plan covers nearly every component of your vehicle, with only a few exclusions. The covered components include the cooling system, electrical components, seals, gaskets, and tech features that other providers don’t generally cover.
• Supreme for Highline Vehicles – If you own a vehicle produced by a major luxury brand like Porsche, Mercedes-Benz, or Alfa Romeo, the Supreme for Highline plan can cover it. As long as your luxury car has fewer than 80,000 miles on the odometer and is less than eight years old, you can get coverage that other providers don’t offer. This plan also offers a list of exclusions for ease of comprehension.
• Superior – The Superior plan offers essential component coverage on the parts most likely to break down, including the engine, transmission, A/C, and more.
• Select Premier – Getting coverage for a car with a lot of miles on the odometer can be tough. The Select Premier plan is designed to cover vehicles with a lot of miles and covers cars that other providers won’t.
• Secure Plus – The most essential components on your vehicle, such as the engine, transmission, and drive axle, tend to be the most expensive to repair. The Secure Plus plan offers affordable coverage for those components on older cars.
• Secure – If you want coverage for your vehicle on a tight budget, the Secure plan is for you. This economical plan covers the essential components of your vehicle’s powertrain to help you keep it running smoothly.
• Advantage – Advantage offers comprehensive coverage and up to $3,500 in annual or routine maintenance costs, such as oil changes and oil filter replacements. This can save you a lot of money on upkeep and service while also giving you the highest level of protection.

Endurance allows you to choose plans with a deductible between $0 and $200. Depending on how much you want to spend every month, one of these deductible options will be best for you and your budget.

KarCure Plans

• KarPower – The KarPower plan is KarCure’s most economical level of coverage. This plan covers all of the most expensive and important parts of your car, including the engine, fuel pump, transmission, and more.
• KarDeluxe – As KarCure’s middle tier, KarDeluxe covers around 85% of what your vehicle’s factory warranty covers. This includes smaller parts like the serpentine belt tensioner, the front suspension, and steering components.
• KarUltimate – KarUltimate is KarCure’s most comprehensive plan. It includes nearly every component of the vehicle except for a few exclusions and covers some luxury components such as the power sunroof mirror and adaptive cruise control systems.

All KarCure plans come with a $100 deductible. There are no options for a zero-deductible plan, which may or may not be right for your budget and what you want out of your vehicle service contract.

Customer Service Insights

Endurance Customer Reviews

What sets Endurance apart from other extended car warranty providers on the market is its commitment to customer service every step of the way. Endurance’s award-winning customer service team has been commended time and time again in client reviews and industry accolades. Endurance currently holds a high star rating on Trustpilot, with over 7,000 reviews in total and many reviewers commenting on the excellent service they have received. And, though Endurance may not be BBB accredited, it has an A- rating with a 3.61-star rating as of April 2024.

In some reviews, customers have felt like their needs and concerns were addressed quickly and easily and that any problems they encountered with claims or repairs were handled with professionalism. When you need repairs made on your vehicle, you want to be sure that you have a team behind you every step of the way. Based on the reviews from current clients, Endurance will make sure you get the help you need and walk you through the entire process so you can get back out on the road.

KarCure Reviews

KarCure’s mission as a VSC provider is to make everything as easy as possible through its customer service portal. One of the things that customers have been enthusiastic about in reviews on the Better Business Bureau’s website is how easy the website is to use. One thing to keep in mind, though, is that KarCure is a relatively new company, having just started in 2022.

As time goes on, some customers may not be as impressed with the site’s usability and will prefer to speak to a customer service team when they need help the most. If you are someone who likes the personalized help you get from a team of customer service professionals, KarCure may not be the right option for you.

How Do the Claims Processes Compare?

Endurance Claims

When you need your vehicle repaired, you can take it to the certified shop of your choice and show them your Endurance contract. Then, Endurance and the shop will work out the details and ensure that everything is covered. If you have any questions or concerns during the process, you can always call Endurance’s award-winning customer service team and get any clarification you might need.

One thing that makes Endurance different from other VSC companies is that it is a direct provider of coverage. This means that all the payments come straight from Endurance without any middlemen or delays in the approval process. If you are looking for the most straightforward way to get your repairs covered, Endurance is going to be the safe bet.

KarCure Claims

KarCure’s claims process is designed to be very simple and meant to be done all through the KarCure app. When the time comes for a repair, all you have to do is open the app and start a claim before you bring your car into the shop. The app will allow you to book an appointment with a certified shop in your area, and the whole claim will be approved and taken care of through the customer portal.

While this may be the ideal way to get a repair done for some people, it may not be right for others. If you encounter any issues with getting your claim approved, for example, you might have a harder time disputing the rejection through the app. For people who would rather work with a person over the phone and have people working on their claim instead of an automated app, Endurance may be the better choice.

Additional Benefits from Each Provider

Endurance Benefits

Endurance offers a wide range of benefits and perks to all customers. The standard benefits that come with every plan include 24/7 roadside assistance (with towing and lockout services), rental car reimbursement, and trip interruption reimbursement. Plus, for a small activation fee, you can get access to a year of Endurance Elite Benefits, which includes extra perks like tire repair or replacement, key fob replacement, $1,000 toward total loss protection, and much more. With an Endurance plan, you can be sure that you are covered for repairs as well as any other issues that might come up while you are out on the road so you can keep your car’s total cost of ownership down.

KarCure Benefits

KarCure plans all come with the same extra benefits, regardless of which tier you choose. With a KarCure plan, you get roadside assistance and rental car coverage. Both of these options can be utilized through the app, and if you get roadside assistance through KarCure, everything will be bundled into your claim, and the process will start from the moment you request help.

Endurance Offers the Best Extended Car Warranty

When you need the best possible coverage for your car, you need an auto protection provider with a reputation for excellent customer service and a variety of available plans. Endurance is well-known for providing the best service in the industry, with awards and accolades that you can depend on. By knowing how Endurance compares to others on the market, you can make the right decision and get the protection you and your car deserve.

Endurance offers a wide range of customizable vehicle service contracts, the most comprehensive protection available in the industry, and a high-quality customer service team. With standard benefits and extra perks to give you confidence on the road, Endurance will help you keep your vehicle in great shape for many years.

Take advantage of our 30-day money-back guarantee! Contact our award-winning customer service department at (800) 253-8203 for a FREE quote. You can also shop online to see your price right away.

Check out all things automotive, including comparisons with other providers like CarShield and CARCHEX, repair facility reviews, mechanical breakdown insurance, FAQs, and more on the Endurance Warranty blog.