Find Your CARCHEX Extended Vehicle Protection Plan

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Once your manufacturer’s warranty expires, somewhere in the ballpark of five years or 60,000 miles, your wallet is vulnerable to costly repairs. A transmission repair, for example, can set you back between $1,500 and $4,000, and a major engine repair can start at $2,500. But with a CARCHEX extended vehicle protection plan, you can save hundreds or thousands of dollars on vehicle repairs. 

How do you choose the right coverage tier? We can help. Read about our CARCHEX Extended Vehicle Protection Plans below. To get a free, customized quote on a plan, call (877) 226-7328 or fill out the online form.

CARCHEX Coverage Options

CARCHEX offers five levels of coverage to match the mileage, age, model, and ownership of your car. Do you have a car with high mileage or a pre-owned vehicle? We have a plan to suit your needs and driving habits. Take a closer look at our plans:

Titanium Coverage

CARCHEX Titanium level coverageBest for: Ultimate repair and replacement protection

Longest terms available: Up to 7 to 10 years

This is our most comprehensive coverage and closest to your car’s factory warranty. Under a CARCHEX Titanium protection plan, you’ll get exclusionary coverage, which means that only components not covered are listed.

Platinum Coverage

CARCHEX Platinum level coverageBest for: Protection for hundreds of stated components 

Longest terms available: Up to 5 to 10 years

CARCHEX extended protection plans under the Platinum Level are just shy of exclusionary and include the highest level of stated coverage for CARCHEX protection plans.

These plans cover all components listed in the Gold, Silver, and Bronze plans, as well as suspension, enhanced electrical, and heating and cooling components. 

Examples include:

  • Suspension struts, mounting plates, and retainer
  • Wiper motors
  • Horn and horn buttons
  • Mirror motors and controls
  • Water pump
  • Thermostat
  • Radiator

Gold Coverage

CARCHEX gold level coverageBest for: Vehicles with more than 60,000 miles 

Longest terms available: Up to 5 to 10 years

Gold vehicle protection plans cover most of your vehicle’s major systems at an affordable price. 

In addition to components covered under the Bronze and Silver plans, Gold Level service contracts cover steering and braking components for fuel vehicles, as well as certain components for hybrid and electric vehicles. 

Examples of these components include: 

  • Brake system master cylinder
  • Brake system metal hydraulic lines and fittings
  • Brake system rear actuators
  • Power steering pump
  • Steering couplings, cooler, and cooler lines

Silver Coverage

Silver CARCHEX coverage level logoBest for: Protection for your vehicle’s essential systems

Longest terms available: Up to 6 or 7 years

Silver Level plans offers more than your basic powertrain extended vehicle protection plan and provide coverage for electrical, fuel delivery system, and air conditioning components.

Some examples include: 

  • Fuel pump
  • Fuel tank
  • Starter
  • Alternator
  • A/C compressor
  • Condenser fan and motor

Bronze Coverage

CARCHEX bronze coverage iconBest for: Protection from the most common and expensive repairs

Longest terms available: Up to 5 or 6 years

As the most basic and affordable plan, Bronze Level coverage is equivalent to a powertrain or drivetrain vehicle protection plan. It covers the costs of repairs for the engine, transmission, and drive axle, as well as related components, such as:

  • Engine pistons, rods, and bearings
  • Engine crankshaft and camshaft
  • Transmission mount
  • Transmission torque converter
  • Trans-axle housing
  • Water pump and housing

What’s Not Covered

Similar to most extended warranties, CARCHEX vehicle service contracts do not cover the following items:

  • Tires, wiper blades, brake pads, and other regular maintenance replacements
  • Repairs due to accidents
  • Repairs due to neglect or lack of maintenance
  • Repairs due to regular wear and tear
  • Repairs due to inclement weather
  • Items still covered under the manufacturer’s warranty
  • Cosmetic repairs and alterations made by the vehicle owner

CARCHEX Peace of Mind Benefits

When your car breaks down or needs serious repairs, you often have to pay extra in roadside assistance costs. When you shop for an extended vehicle protection plan, you should only choose providers that include peace of mind benefits in their protection plans. 

Here are the 24/7 roadside assistance benefits you’ll receive with a CARCHEX extended vehicle protection plan:

  • Towing and wrecking services 
  • Emergency gas delivery service
  • Battery jump service
  • Key lockout service

You’ll also receive:

  • Substitute Transportation Reimbursement: CARCHEX will reimburse you up to a certain dollar amount for your rental car while your own vehicle is being repaired.
  • Trip Interruption Reimbursement: If you are more than 100 miles from your home during a breakdown, CARCHEX will reimburse you up to a certain dollar amount for accommodation and meal expenses for a maximum of 3 days. 

Who Provides CARCHEX Extended Protection Plans?

CARCHEX Extended Vehicle Protection Plans are provided through industry leaders like American Auto Shield and Royal Administration. Though CARCHEX does not handle claims directly, we will communicate on your behalf to make the claims process simple and quick. All our providers compete for your business, allowing us to offer you a low, competitive price.

Who Is American Auto Shield?

American Auto Shield is a vehicle service contract administrator that has provided insurance-backed extended auto warranties since 2002. Their insured coverage gives you extra security, so you won’t be stuck paying for repairs on your own.

American Auto Shield Logo

Who Is Royal?

Royal Administration Services is also a vehicle service contract administrator that has provided coverage and customer satisfaction since 2000. Their BBB A+ rating and low customer complaints make it a reliable provider for vehicle protection plans.

Royal Administration logo

How Much Does a CARCHEX Protection Plan Cost?

A factory extended vehicle protection plan typically costs between $1,000 and $1,500, but with CARCHEX, you have more options at competitive prices. Third-party extended protection plans generally range from a few hundred dollars to over $1,000, but the price will depend on your vehicle and your deductible. CARCHEX offers some plans with a $0 deductible, so you won’t have to pay anything at the time of your repair. However, you can lower the cost of your contract by raising your deductible to $50 or even $100. This deductible is owed for each repair. To make plans affordable and more manageable than a surprise repair cost, CARCHEX also offers payment plans in monthly installments. For some vehicles, like a used Nissan, monthly payments can be as low as $65/month*.

Find the Right Coverage for You With a CARCHEX Vehicle Protection Plan

Call to get a free, personalized quote from one of our experts.

Frequently Asked Questions: Extended Protection Plans

Want more tips for finding the perfect extended protection plan? Here are the basics you should know while shopping for a protection plan.

A: Not exactly. Most extended vehicle protection plans, like those from third-party providers, are actually vehicle service contracts. A true warranty is included in the purchase of a vehicle, while a vehicle service contract is an optional service that costs extra.

A: No. An insurance plan protects against accidents and risk, and an extended vehicle protection plan covers the costs of mechanical breakdowns. However, it is important to purchase an extended vehicle protection plan or vehicle service contract that is backed by an insurance company or reputable administrator. CARCHEX extended vehicle protection plan providers are reliable administrators that are proven to fulfill and pay on claims. No. An insurance plan protects against accidents and risk, and an extended vehicle protection plan covers the costs of mechanical breakdowns. However, it is important to purchase an extended vehicle protection plan or vehicle service contract that is backed by an insurance company or reputable administrator. CARCHEX extended protection plan providers are reliable administrators that are proven to fulfill and pay on claims.

A: Though CARCHEX offers vehicle inspection services, you do not need a vehicle inspection to purchase an extended protection plan.

A: You should consider these two things if you want to get the most from your plan:

  1. Read the contract carefully (CARCHEX provides sample contracts online for free) to understand any limitations of the contract. Some exceptions may affect otherwise covered components. Don’t get caught off-guard by not reading your contract. 
  2. Keep up with your vehicle’s routine maintenance to be sure that your repairs are not excluded due to maintenance issues.

A: Yes. If the leased vehicle is no longer covered by its leaseholder’s warranty terms, then it may be a good idea to consider extended protection with a vehicle service contract.

Additional Tips for Extended Protection Plans

If you want the best protection for your vehicle, follow these helpful tips:

  • Don’t say yes to the first option. Shop around and negotiate. CARCHEX can help you find the most competitive option. 
  • Be wary of pushy telemarketers. Our representatives offer a no-pressure environment, so you can ask questions and consider options. 
  • Look for important contract items, such as transferable and cancellable plans. CARCHEX offers both, including a 30-Day Money Back Guarantee.
  • Avoid companies that make you pay for repairs up front. We make sure the repair shop is paid directly, so you don’t have to pay out-of-pocket. 
  • Ask about accepted repair facilities. Some providers limit your options, but CARCHEX offers a network of over 30,000 repair facilities, so there is always a shop conveniently located near you.
  • Read reviews. You’ll find that our customers have given us a 99.9% Customer Satisfaction Rating.

Shopping for a Plan is Easy When You Call CARCHEX

It’s easy and fast to get a free quote customized to your vehicle and driving habits. Our vehicle protection specialists are ready to answer your questions and give you the best deal for your budget with a CARCHEX protection plan today.

*Figures accurate as of May 2017. Average monthly coverage cost is based on the average total price of the Vehicle Protection Plan over a four year coverage period. Actual monthly payments will vary per plan’s payment policy. Individual pricing is subject to change based on the combination of make, model, and mileage as well as coverage level and term length.

While some people refer to them as “extended warranties” CARCHEX protection plans are technically vehicle service contracts that protect your vehicle from mechanical breakdowns. For more information, see this FTC link or learn more here or by reviewing CARCHEX’s website.

CARCHEX markets and sells vehicle service contracts on behalf of third-party vehicle service contract providers, and your vehicle service contract will be between you and the provider. This website site is intended solely for the purpose of providing general information regarding the purchase of vehicle service contracts. Specific contract terms, rates, taxes, fees and other charges are determined upon validation of vehicle information and acceptance by the vehicle service contract provider, for which CARCHEX is not responsible. Vehicle service contracts may not be sold where prohibited by law. is an authorized retailer of CARCHEX and powered by Home Media, LLC. © 2024 CARCHEX. All rights reserved. All other marks are the property of their respective owners.

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