CarShield extended warranties stand out by offering flexible payment options and month-to-month contracts, but is a CarShield extended warranty a good investment? To help you decide, our team has taken a close look at CarShield reviews, benefits, plans, and exclusions. We summarize everything you need to know in this article.
To make the best financial decision, we recommend getting a quote from at least three providers, as extended warranty prices vary based on vehicle age, your location, and other factors. Check out our review of the best extended car warranty companies to see our top recommendations.
In this article:
- Our Take On CarShield: 4.2 Stars
- How Much Does CarShield Warranty Cost?
- CarShield Coverage Plans
- How CarShield Extended Warranties Work
- CarShield Reviews And Reputation
- CarShield: Best Value Extended Warranty
- FAQ: CarShield Extended Warranty
Our Take On Carshield: 4.2 Stars
We rate CarShield 4.2 out of 5.0 stars and recognize it for having the Best Value for 2022. CarShield is the most popular extended warranty company on the market, and its plans can cover vehicles up to 300,000 miles.
|CarShield Pros||CarShield Cons|
|24/7 emergency roadside assistance||Negative CarShield reviews|
|Choice of certified repair shop||Rental car reimbursement not included with all plans|
|Direct payments to repair facilities|
|Most contracts transferable to new car owners|
CarShield is an independent extended warranty provider with coverage for new and used cars. The company offers six types of warranty service plans, ranging from a basic drivetrain warranty to a plan comparable to a new car’s factory warranty. Used car warranties from CarShield can cover up to 300,000 miles, making CarShield a solid choice for high-mileage vehicles.
- Founded: 2005
- Headquarters: St. Peters, Missouri
- Coverage options: Six levels of coverage, including a powertrain warranty, a bumper-to-bumper warranty, and a plan specially designed to cover high-tech electronics
- Coverage terms: Up to 300,000 miles
How Much Does a CarShield Warranty Cost?
On average, CarShield warranties cost between $99.99 and $129.99 per month. The price you pay depends on the type of plan you want and your vehicle condition. CarShield offers limited and unlimited terms with affordable payments compared to other extended auto warranty providers.
To get an idea of pricing, our review team reached out to CarShield for extended automotive warranty quotes on a few vehicles. The quotes below apply to plans with unlimited mileage and a $100 deductible. Each CarShield vehicle service contract requires one month's payment to begin coverage.
|Vehicle||CarShield Warranty Plan||Monthly Payment|
|2017 Honda CR-V||Diamond||$129.99|
|2016 Chevy Silverado||Diamond||$129.99|
|2017 Honda CR-V||Platinum||$119|
|2017 Honda CR-V||Gold||$119|
|2017 Honda CR-V||Silver||$119|
|2017 Honda CR-V||Aluminum||$119|
How To Get A Quote From CarShield
To get a quote from CarShield, you can call the company or submit some quick information in an online form. If you request a quote online, a representative will call you to discuss your options. Factors such as mileage, service history, your current warranty coverage, and recent mechanical issues can impact the price or type of plan available to you.
During a phone call, you’ll learn about a coverage plan and monthly payments. While some of CarShield's plans break up the cost over 24 months, most plans are monthly so you can keep the coverage as long as you choose.
According to CarShield reviews on Trustpilot, many customers find affordable monthly payments from the company. To see how much you would pay for extended warranty coverage, get a free quote from CarShield for your vehicle.
Does CarShield Have A Deductible?
The CarShield quotes we received included a $100 deductible per repair. You may find higher or lower deductibles, depending on the plan you select and your vehicle. Some extended warranty plans have a $0 deductible.
CarShield Coverage Plans
As mentioned, CarShield offers six general types of warranty service plans. These plans vary from basic coverage for the most important components to comprehensive coverage for the whole car. Take a look at some details described in the table below:
|CarShield Plan||What It Covers|
|Diamond||This plan is comparable to a manufacturer's warranty. It is exclusionary, and the contract lists only parts not covered. Excluded parts include aesthetic parts, trim, hoses, belts, and wear items.|
|Platinum||This plan is the highest level of inclusionary coverage. It covers items that are part of the engine, transmission, cooling system, electrical system, steering, air conditioning, brake system, and more.|
|Gold||This plan offers enhanced powertrain coverage. In addition to the engine, transmission, and drive axle, it covers the alternator, starter, power window motor, and more.|
|Silver||This is CarShield’s basic powertrain plan. It covers all lubricated engine parts and the drive axle, transmission, and water pump.|
|Aluminum||This plan is designed for luxury vehicles and vehicles with complex electronic systems. It includes coverage for power seat control, voice activation control, sensors, GPS, and more.|
|Motorcycle & ATV||This plan offers specialty coverage for motorcycles and ATVs.|
CarShield extended warranties are more accurately described as vehicle service contracts since the vehicle manufacturer doesn't fulfill them. CarShield is a vehicle service contract broker, meaning another company administers its plans.
Note that CarShield's vehicle service contracts only cover specific parts listed on the contract (except the Diamond plan, which lists excluded parts).
Sample contracts on CarShield’s website list American Auto Shield as the administrator, but contracts may use other administrators. This adds to the available options.
CarShield Extended Warranty Benefits
In addition to paying for covered repairs, all CarShield contracts include the following perks:
- Emergency roadside assistance
- Rental car reimbursement
- Trip interruption reimbursement
Details such as reimbursement amounts may vary from contract to contract, depending on your state and contract administrator. These benefits are typical and come with most extended car warranties.
How do CarShield Extended Warranties work?
There are a few things to know about extended warranty plans from CarShield.
What To Do After A Breakdown
If you experience a breakdown, you can contact the roadside assistance provider outlined in your contract to get a tow to a repair shop. You can take your car to any shop authorized by the National Institute for Automotive Service Excellence (ASE®). There are over 30,000 across the country.
Make sure the auto repair shop calls a CarShield claims representative for authorization before performing any repairs. The only case when you can authorize a repair is when it's an emergency after-hours. You'd have to foot the bill and have CarShield reimburse you in that situation.
If CarShield authorizes the repair, you'll just pay the deductible to the shop. You can also get reimbursed up to $40 per day ($280 maximum) for a rental car if the shop needs to do more than four hours of work.
What Is Not Covered By A CarShield Extended Warranty?
CarShield plans don’t cover everything. Exclusions common to CarShield contracts are:
- Repairs performed without prior authorization from the contract administrator
- Damage caused by a lack of maintenance
- Damage caused by acts of nature, theft, vandalism, or falling objects
- Modifications to the vehicle
- Misuses such as racing or off-road driving
- Tampering with the odometer
- Pre-existing mechanical issues
All these exclusions are common for factory warranties and third-party providers.
CarShield Waiting Period
CarShield plans have a standard waiting period of 20 days and 500 miles before coverage kicks in. This delay protects the company from paying for a repair the customer already knew about. Representatives can note what is wrong with your car when you sign up for an extended vehicle service contract.
Does CarShield Really Pay For Repairs?
The vast majority of customers report no issues with CarShield paying for repairs. However, CarShield can deny a claim for the following reasons:
- The specific part isn't covered
- The damage was caused by a non-covered part failing
- The damage was due to a lack of maintenance
- The damage is due to normal wear and tear
How To Cancel CarShield
To cancel a CarShield plan, you can contact CarShield's customer service team at 800-587-4162. You will need to provide a written cancellation request and a notarized odometer statement to the contract administrator (American Auto Shield). You can also reach out to a customer service representative at CarShield.com for help.
You can get a full refund if you cancel within 30 days and haven't used the plan. You'll get a prorated refund based on the time and coverage used after that point. You can also transfer most contracts to secondary buyers if you sell your car.
CarShield Reviews And Reputation
Over 10,000 CarShield reviews on Google give the company an average score of 4.2 out of 5.0 stars. Similarly, over 29,000 CarShield reviews on Trustpilot rate the company 4.0 out of 5.0 on average.
Positive reviews for CarShield often mention paid claims, knowledgeable agents, and excellent customer service. On the other hand, some customers are disappointed when certain parts aren't covered. Below are a few examples of positive and negative reviews.
Recent Positive CarShield Reviews
"I've had two claims paid without a problem. The [first] claim took less than 24 hours to finish and saved me $400. The second claim for my alternator was done the same exact day, and CarShield saved me $1,300. I have no complaints at all!"
– Eliza P. via the Better Business Bureau (BBB)
"So far, CarShield has showed up to do exactly what it promised. I appreciate that [service] was timely, professional, and efficient."
– Michele via Trustpilot
Recent Negative CarShield Reviews
"My starter went out in my Infiniti Q56. They only want to pay $178 for a starter. Where in the world [can] you get an Infiniti starter for that price? I called the auto store local to me, and their price was $375. My total bill was $900 with the dealership. They will only pay $563."
– Gloria S. via BBB
"My fuel pump was cracked, and I ended up paying $1,400 for the repair because it was denied for coverage."
– Ni-Ni via Trustpilot
More than 65 percent of CarShield reviews on Trustpilot give the company 5.0 stars. Most negative CarShield reviews come from customers who are surprised when the company denies repairs. When choosing a vehicle protection plan, potential CarShield customers should carefully review their contract so there's no question about covered repairs.
CarShield Mobile App Ratings
CarShield's mobile app allows customers to view the details of their contracts from their phones. The app has over 250 reviews on Google Play and a 3.4-star rating out of 5.0 overall. CarShield's app fares better on the Apple App Store with 3.7 stars from over 150 reviews.
CarShield: Best Value Extended Warranty
Considering CarShield's plan options and affordable prices, we rate it the Best Value extended warranty company for 2022. CarShield can be an excellent option if you're looking to stay within a steady monthly budget.
Other Recommended Providers
It’s always a good idea to get quotes from more than one company so you can compare pricing and determine what's right for you. In our review, we found Endurance, CARCHEX, and Protect My Car to be industry leaders.
Endurance offers five standard extended warranties plus a sixth plan that combines warranty coverage with regular maintenance coverage. The warranty company can cover over 250,000 miles and it accepts vehicles up to 20 years old. Endurance also has a solid reputation, with a 4.3-star rating from customers on Trustpilot. Read more in our Endurance warranty review.
CARCHEX offers five extended warranties that come with extras like roadside assistance and trip interruption. In our CARCHEX review, we found the provider stood out of the pack for its A+ rating from the BBB and partnerships with industry authorities like Kelley Blue Book. CARCHEX can cover vehicles up to 200,000 miles.
Protect My Car
Protect My Car is known for great customer service. It has a 4.2-star customer rating on the BBB, which is very high for the industry. Protect My Car also has a 4.6-star rating on Trustpilot. What makes Protect My Car unique is its Ambassador maintenance plans. These plans cover 50 to 75 percent of all mechanical breakdowns plus a variety of maintenance services like oil changes and tire rotations. Learn more in our Protect My Car review.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of extended auto warranty companies to formulate rankings of the best providers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Warranty providers with a history of strong business practices and endorsements from experts receive the highest scores in this category.
- Coverage: This rating is based on types of extended warranty plans available, coverage terms, and added benefits like roadside assistance.
- Cost: Our research team reviews sample quotes for a variety of plans and vehicles. Companies with lower prices per year of coverage receive the best scores.
- Transparency: This score takes into account contract transparency and the availability of a money-back guarantee.
- Customer Service: We comb through customer reviews and perform our own shopper analysis to get a sense of the responsiveness and helpfulness of each warranty company.
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