American Auto Repair Coverage Warranty Reviews

American Auto Repair Coverage is a family-owned and operated company with an A+ rating from the Better Business Bureau (BBB) and solid reviews on both that site and Google. However, because its plans are backed by various warranty administrators, coverage options will vary for each customer.

How We Rated American Auto Repair Coverage Warranty

To give you the most up-to-date information, we update our review standards several times each year. We evaluate warranty providers in the following categories:

Industry Standing

In business since 2012, American Auto Repair Coverage offers plans that are administered by Carguard, SunPath, and other reputable companies. We awarded this family-owned business 4.3 out of 5.0 stars for its industry standing.

Coverage

American Auto Repair Coverage is backed by extended warranty administrators that serve most U.S. states. However, this means that coverage plans may vary based on which company sells your area’s contracts. This could also be why American Auto Repair Coverage doesn’t have many plan details listed on their website. Due to this, we’ve given it 3.6 out of 5.0 stars for coverage.

Cost

We obtained quotes for powertrain coverage, mid-level, and exclusionary coverage plans through American Auto Repair Coverage that are backed by CarGuard and SunPath. Our findings show that the cost of an extended car warranty with this provider is on the low to average end of an extended warranty cost. For this, we’ve awarded American Auto Repair Coverage with a 4.6 out of 5.0 stars for cost.

Transparency

If a provider offers sample contracts on their website, detailed plan offerings, and a money-back guarantee, we’ll score it highly in this category. Unfortunately, plan details and sample contracts aren’t offered on the American Auto Repair Coverage website. However, it is mentioned that if you cancel your policy, you’ll receive a prorated refund of the unused portion of your coverage. We’ve awarded American Auto Repair Coverage with 3.3 out of 5.0 stars for transparency.

Customer Service

American Auto Repair Coverage earns a BBB rating of 3.4 out of 5.0 stars and a rating of 3.5 out of 5.0 stars through Google, which can be considered high compared to other extended warranty providers. Despite this, you can only contact American Auto Repair Coverage via phone or email, as it lacks an online chat feature that many other providers offer. For this, we’ve given it a 4.1 out of 5.0 stars for customer service.

Is An American Auto Repair Coverage Warranty Worth It?

American Auto Repair Coverage has mostly positive reviews online, and has an A+ rating with the BBB. In addition, we found that its extended warranty plans often cost less than the average extended warranty contract. 

However, plans will vary based on the administrator that backs your vehicle service contract (VSA). Plan details are hard to come by on their website, so you have to call the company for individual quotes. If you’re looking for a company with plan details offered readily to consumers, we suggest looking elsewhere for an extended auto warranty.

American Auto Repair Coverage Warranty Quick Facts

• Founded: 2012
• Headquarters: St. Peters, Missouri
• Coverage options: Dependent on warranty administrator
• Coverage terms: Dependent on warranty administrator

Is An American Auto Repair Coverage Warranty Legit?

American Auto Repair Coverage was founded in 2012, and has 10 years of experience in the extended warranty industry. Despite being a fairly new company, it holds an A+ accreditation from the BBB, and has garnered many positive reviews online. In addition, its extended warranty contracts are administered by CarGuard and SunPath, two reputable warranty administrators that serve most U.S. states.

As with many other extended warranty providers, reviews for American Auto Repair Coverage are mixed. However, the positive reviews outweigh the negative. See below for reviews on Google and the BBB site for American Auto Repair Coverage.

American Auto Repair Coverage Positive Reviews

“Great rates, awesome customer service and smooth claim processing. I am really satisfied. Thank you!”

– Muhammad S.

“American Auto Repair Coverage has saved me and my wife twice already! Set up the coverage in 2017 and they have already paid out $1,800 in engine claims and $1,200 for an alternator. This policy has more than paid for itself already! Tom more than answered any questions or concerns we have had! Buy this coverage!!!”

– Greg D.

American Auto Repair Coverage Warranty Complaints 

“Have been paying them for a year and our car breaks down, and they won’t stand up to their word. I do not recommend this company.”

– Samantha H.

“Will not give me a refund and I canceled on time. Will not answer my calls, but do if I call from a different number.”

– Sue Penny G.

American Auto Repair Coverage used to provide an overview of its plans online. However, as of March 2023 there is no longer any overview or details of their extended warranty coverage plans. This could be due to the fact that this provider uses several different warranty administrators across the country, which could result in varying coverage plans and set terms depending on your location.

American Auto Repair Coverage Warranty Plans

Two entities that administer warranty plans for American Auto Repair Coverage are SunPath and CarGuard, so you may want to research the protection plans that each administrator offers before you contact American Auto Repair Coverage. Keep in mind that your vehicle’s make, model, year, mileage, and more could affect the coverage and terms you’re eligible for.

Although it’s possible to buy an extended warranty at almost any time, you’re better off buying one early if you want to save money. If your vehicle’s original warranty is still in effect, American Auto Repair Coverage recommends that you purchase a plan before the manufacturer’s warranty expires to avoid a gap in coverage.

American Auto Repair Coverage Warranty Benefits

While American Auto Repair Coverage doesn’t provide specific plan details, it does offer general information on benefits that are provided with each warranty plan. These include:

• 24-hour roadside assistance
• Towing benefits
• Rental car benefits
• Lock-out and fuel delivery benefits
• Tire benefits
• One year of maintenance reimbursement

In addition, if you decide to sell your vehicle, you can transfer the remainder of the service contract to the new owner. Another option is to cancel your policy and receive a prorated refund. If you buy another vehicle, you can put the money from your refund toward the cost of an extended warranty for your new car.

What Does An American Auto Repair Coverage Warranty Not Cover?

You’ll need to speak with an American Auto Repair Coverage customer service representative to find out exactly what your extended warranty plan doesn’t cover, as its website does not give a breakdown of offered service contracts. You likely won’t find coverage for wear and tear parts of your vehicle, such as upholstery, paint, and the like.

While many extended warranty providers won’t offer new tire or routine maintenance reimbursements, American Auto Repair Coverage mentions that they offer these benefits. The exact terms, however, will need to be discussed with the provider.

American Auto Repair Claims Process

If your car breaks down, contact the Concierge Claims Service number on your personalized ID card right away to file a claim. A representative will arrange for repairs and get you a rental car.

Although American Auto Repair Coverage recommends that you have repairs performed at the dealership, it will cover eligible repairs performed at any ASE-certified shop – one that is certified by the National Institute for Automotive Service Excellence (ASE^®). The company will pay a repair facility up front for any covered parts and labor, plus additional costs, such as taxes and shop fees.

American Auto Repair Coverage will pay the full cost of covered repairs, except for the deductible, which you will have to pay after your car has been fixed.

You’ll need to contact American Auto Repair Coverage directly in order to get a quote for an extended warranty plan for your vehicle. Your quoted cost will vary depending on your choice of plan, vehicle model, model year, and mileage. Your costs may also be influenced by the administrator of your plan.

Most extended warranty providers allow you to choose from paying for your contract upfront or paying it off in monthly installments. Since we received quotes for a total price as well as for a monthly payment, it’s safe to say that American Auto Repair Coverage offers both to customers.

How Much Does An American Auto Repair Coverage Warranty Cost?

We were able to obtain quotes for plans administered by both SunPath and CarGuard through American Auto Repair Coverage for a 2017 Honda CR-V and a 2017 Chevrolet Silverado. See below for more information on the quotes we were provided.

For these quotes, we were given payment terms of 48 months with a down payment that was the equivalent of three months of payments. The deductible for these plans amounts to 30 percent of the total cost of the plan. We reached out to American Auto Repair Coverage for an explanation as to why the cost of the Platinum exclusionary and the powertrain warranty plans are very similar. A representative informed us that this is due to the fact that there are significantly higher cancellation rates for powertrain plans.

We do want to point out that the quote process was long. Our team members noted a certain lack of responsiveness to new customer queries, as we were on hold for 30 minutes when we called. However, you may have a different experience. Eventually, we found that the total cost of these plans versus other reputable extended warranty providers is either on the low or average side of prices.

See the infographic below for a look at our findings on initial purchase prices of extended warranties from both third parties and dealerships. Data is taken from our 2022 consumer extended auto warranty survey.

While American Auto Repair Coverage has solid reviews online and plans are backed by various reputable extended warranty administrators, there is no information online detailing its plan offerings. We recommend obtaining free quotes from other third-party vehicle service contractors that offer more transparency into their plans. 

Car Warranty Companies Like American Auto Repair Coverage

Before you purchase a vehicle extended warranty or commit to any long-term contract, you should compare options and prices from several companies. We recommend choosing an extended warranty provider that has great customer reviews, offers sample contracts online, and that’s known as a reputable provider in the warranty space. 

Our review of extended warranty providers found numerous companies that meet those criteria. See below for two extended warranty companies we consider among the best.

Endurance: 4.6 Stars

Endurance has been selling extended warranties for more than 15 years. It offers six levels of distinctive coverage, which are available to vehicles up to eight years old or with 200,000 plus miles on them. Each plan includes a year of Endurance Elite Benefits, which provides rewards, repair financing, roadside assistance, and other benefits. Because of this, we’ve named Endurance as the best coverage provider on the market today.

Endurance directly administers its vehicle service contracts. That means if you need your vehicle repaired, you only have to deal with Endurance representatives, not a third party, which can simplify the claims process.

CARCHEX: 4.4 Stars

Offering extended vehicle protection plans for over 20 years, CARCHEX has earned several customer service awards along the way. The company has an A+ rating from the BBB and features 21 extended warranty plans divided into five tiers with varying levels of coverage.

One thing we like about CARCHEX is its No-Haggle, Low-Price, Everyday Guarantee™. The company clearly explains its service contracts and pricing and doesn’t pressure you to buy a plan. That sets CARCHEX apart from many of its competitors. It also offers new customers a 30-day money-back guarantee.

Below are some frequently asked questions about American Auto Repair Coverage extended warranties: