Unveiling the Top Rated Aftermarket Car Warranty Providers for 2025

Buying a car is a big deal, and keeping it running smoothly after the factory warranty runs out can be a worry. That's where aftermarket car warranties come in. They're basically service contracts that help cover repair costs. But with so many options out there, figuring out which ones are actually good can feel like a puzzle. We looked into the top rated aftermarket car warranty providers for 2025 to help you find one that fits your needs and budget.

Key Takeaways

• Endurance is noted for offering broad coverage options.

• Olive is recognized for providing quick coverage activation.

• CARCHEX stands out as a broker with a wide selection of plans.

• Toco Warranty is praised for positive user reviews and ratings.

• When choosing a provider, check reviews, compare quotes, and read the contract details carefully.

Endurance

Endurance is a direct provider of vehicle service contracts, meaning they handle claims themselves rather than working through a third-party broker. They've been around since 2006 and offer a few different plans to choose from. What really sets Endurance apart is their approach to mileage limits. While many companies cap coverage at a certain mileage, Endurance doesn't have a mileage maximum on some of their plans, as long as the car is 20 years old or newer. That's pretty unusual in the extended warranty world.

All of their plans come with a year of what they call "Elite Benefits." This includes things like 24/7 roadside assistance, help with key fob replacement, and even tire coverage for road hazards. After that first year, it costs extra, but it's a nice perk to start with. When it comes to what's actually covered, their plans vary. The Secure Plus plan is their most affordable and covers the basics like the engine, transmission, and steering. However, it excludes things like the cooling system and suspension. If you want more coverage, the Superior plan adds in the cooling system and fuel system, but still excludes gaskets. For the most complete protection, the Supreme plan covers everything, including gaskets.

Endurance Coverage Tiers

Endurance offers three main levels of coverage:

• Secure Plus: This is their entry-level plan, focusing on essential components like the engine, transmission, steering, and brakes. It excludes parts like the cooling system, suspension, and fuel system.

• Superior: This plan builds on Secure Plus, adding coverage for the cooling system and fuel system. However, it still doesn't cover gaskets.

• Supreme: This is their top-tier plan, providing the most extensive coverage. It includes everything in the Superior plan and also covers gaskets.

What's Included with Endurance Plans

All Endurance plans come with a complimentary year of Elite Benefits, which includes:

• 24/7 roadside assistance

• Key fob replacement

• Tire coverage for road hazards

• Rental car reimbursement

• Trip interruption benefits

It's important to remember that even with a warranty, regular maintenance is still key to keeping your car running smoothly. A warranty covers unexpected breakdowns, not routine upkeep.

When you're looking for a comprehensive car warranty, Endurance is definitely worth a look, especially if you have a higher-mileage vehicle or want coverage that doesn't stop at a specific mileage cap. Just be prepared to call them for a quote, as they don't offer them online. Also, while they have a decent rating on Trustpilot, it's worth noting the number of complaints filed with the Better Business Bureau, which often relate to the claims process.

Olive

Olive is a newer player in the extended car warranty game, founded in 2019. They really focus on making the whole process super easy and online-friendly. You can get a quote without giving up a ton of personal info upfront, which is a nice change. They also stand out because your coverage starts the day after you buy it, and you don't need to get your car inspected first. That's pretty rare in this industry. They have three different coverage tiers: Powertrain, Powertrain Plus, and Complete Care, with options for deductibles at $100, $250, or $500. The higher your deductible, the less you'll pay each month.

Coverage Limits

Olive's plans are a bit more restrictive than some other companies. Your vehicle can be no more than 10 model years old and have under 140,000 miles when you start the plan. Most competitors are okay with older cars and more miles, sometimes up to 20 years old and over 200,000 miles.

Pricing

For newer cars with fewer miles, Olive's prices can be pretty reasonable, maybe around $50 to $75 a month if you pick the highest deductible. But, if your car is older and closer to their mileage limits, the cost can jump up significantly, often $250 a month or more.

What We Like

• Super easy online quotes and plan comparisons.

• No waiting period for coverage to start.

• No vehicle inspection required.

• Towing and rental car reimbursement are included.

What Could Be Better

• Stricter age and mileage limits compared to others.

• Can get expensive for older vehicles.

• Fewer customer reviews available since they are newer.

While Olive aims for a smooth online experience, it's always a good idea to read the fine print carefully. Make sure you understand exactly what's covered and what isn't before you sign up. Being honest about your car's details is also super important to avoid any issues with claims later on.

Olive is a solid choice if you have a relatively newer car and appreciate a straightforward online process. They make it simple to compare your options and understand how deductibles affect your monthly payments. If you're looking for a provider that simplifies the shopping experience, Olive is definitely worth checking out for your car warranty needs.

CARCHEX

CARCHEX has been around for a while, starting up back in 1999. They work as a broker, meaning they connect you with different companies that actually provide the vehicle service contracts. This can be good because it gives you options, but it also means the quality can vary depending on who is backing the plan. They do have an A+ rating with the Better Business Bureau, which sounds great, right? But here's the thing: customer reviews tell a different story, with ratings often falling below 2 stars out of 5 on the BBB and Trustpilot. It seems like while they might respond to complaints, the actual customer experience can be pretty rough.

Coverage Options

CARCHEX offers a few different levels of coverage. You've got your basic Powertrain Coverage, which hits the main parts like the engine and transmission. Then there's Powertrain Plus, which adds a bit more, usually including electrical bits. Platinum Coverage broadens things out to cover a lot more types of problems, and their top-tier Titanium Coverage aims to be as close to your original factory warranty as possible, though there are still some exclusions.

What's Included and What's Not

Most CARCHEX plans come with some nice extras like 24/7 roadside assistance, trip interruption reimbursement, and rental car reimbursement. They also say they pay claims directly to the repair shop with a company credit card, which sounds convenient. However, you need to watch out for exclusions. Some plans might not cover electrical systems or high-tech features, and if you have an electric or hybrid car, the battery might not be covered. It’s always best to read the fine print carefully.

Who is CARCHEX Best For?

CARCHEX might be a decent choice if you're looking for a company that has been in the business for a long time and offers plans for a wide variety of vehicles, including electric cars and those used for ridesharing. They also cover vehicles with up to 250,000 miles, which is pretty high. If you're someone who values having a broker that can present multiple options and you're willing to do a bit more digging to understand the specifics of each contract, they could be worth considering. Just be prepared for potentially mixed customer service experiences.

When looking into extended car warranties, it's really important to compare what's covered and what's not. Don't just go by the BBB rating; check out actual customer reviews too. Sometimes the cheapest option isn't the best value in the long run.

Here's a quick look at how their plans stack up:

Plan Name	Coverage Level
Powertrain Coverage	Covers major components like the engine and transmission.
Powertrain Plus	A step up from basic, often including electrical components.
Platinum Coverage	Covers a wide range of defects and malfunctions beyond the powertrain.
Titanium Coverage	CARCHEX's most extensive plan, aiming to mirror factory warranty coverage.
Extra Care Coverage	Specialized coverage for non-powertrain parts like steering and brakes.

It's worth noting that the future of car warranties is changing, with new technologies and vehicle types requiring different kinds of protection for your vehicle.

Toco Warranty

When you're looking for an extended car warranty, Toco Warranty often pops up, especially if you check out user reviews. They seem to have a pretty good reputation, with a lot of people giving them high marks, and they've got an A+ from the Better Business Bureau. That's pretty solid.

What's nice about Toco is that they keep things simple. They have one main type of plan, but it comes in four different levels of coverage. The main thing that separates these levels is your car's mileage. It makes it easier to figure out which plan might work for you without getting too bogged down in details.

Toco Warranty Coverage Levels

Toco bases its plans on how many miles your car has. This is pretty straightforward:

• Orange: For cars with up to 100,000 miles.

• Yellow: Covers vehicles with 100,000 to 150,000 miles.

• Blue: For cars that have between 150,000 and 200,000 miles.

• Green: This plan is for vehicles with 200,000 to 250,000 miles.

Generally, the plans for lower-mileage cars include more components. For instance, the Orange and Yellow plans usually cover things like the cooling system, fuel system, electrical parts, and modern tech features. However, these specific items might be left out in the Green plan, which is for higher-mileage vehicles. All Toco plans do include coverage for major powertrain parts like the engine and transmission, plus roadside assistance and towing. You can also get benefits like rental car reimbursement and trip interruption coverage.

Toco Warranty Pros and Cons

Pros:

• Generally good user reviews and an A+ BBB rating.

• Plans are relatively easy to understand, with clear coverage details.

• You can use any certified mechanic for repairs.

• Includes roadside assistance, rental car benefits, and trip interruption coverage.

Cons:

• You can't get price quotes online; you have to call.

• Plan options can be a bit rigid, often based heavily on vehicle mileage.

It's worth noting that while many positive reviews come from new customers happy with the sales process, it's the actual claims experience that really matters. Some customer complaints do mention confusion when trying to get Toco to pay for repairs, so it's something to keep in mind.

They also offer month-to-month payment options, which is nice because you can cancel anytime. Prices can start around $66 a month, depending on your car and the coverage level you pick, with a $100 deductible. If you're looking for a provider with a strong reputation for customer satisfaction, Toco Warranty is definitely worth checking out for a vehicle service contract.

CarShield

CarShield is a pretty well-known name in the extended car warranty world, partly because of all those commercials you see. They've been around since 2005 and are based in St. Peters, Missouri. You can get their plans in pretty much every state, except for California. They have a bunch of different coverage options, which is nice, including plans for motorcycles, ATVs, and even electric vehicles. That's not something you see every day.

Coverage Tiers

CarShield offers several levels of protection, so you can pick what fits your car and your budget. They have plans like:

• Diamond: This is their top-tier plan, aiming to cover most mechanical and electrical parts, similar to a new car warranty. It's an exclusionary plan, meaning it lists what's not covered.

• Platinum: This one covers 15 major vehicle systems, including things like electrical, brakes, and air conditioning.

• Gold: A mid-range option that covers parts for 9 major systems. It's a good middle ground for many drivers.

• Gold Select: This offers basic coverage for 8 systems, focusing on the engine, transmission, electrical, and fuel systems.

• Silver: This plan is more budget-friendly and covers components for the engine, transmission, cooling system, and transfer case.

• Aluminum: This plan is designed for high-tech and computer systems, covering parts like the starter, alternator, power windows, and navigation.

• Motorcycle & ATV: They have two levels of coverage specifically for these types of vehicles.

• Electric Vehicle: Multiple options are available to cover the EV drive unit, high-voltage battery, and other systems like steering and brakes.

Added Benefits

No matter which plan you choose, CarShield usually throws in some extra perks. These often include:

• Roadside assistance

• Trip interruption benefits

• Rental car reimbursement

Important Considerations

It's worth noting that CarShield has had some issues in the past. In July 2024, the Federal Trade Commission (FTC) announced a settlement with the company over advertising practices that were found to be deceptive. The FTC stated that some consumers had trouble getting repairs covered and that marketing claims weren't always clear. CarShield has said they're making changes to provide more details about what's covered. They currently have an A+ rating with the Better Business Bureau (BBB), but customer reviews can be mixed, with some users reporting difficulties with cancellations or finding mechanics who accept the plans. It’s always a good idea to read the sample contracts carefully before you buy to make sure you know exactly what you’re getting. You can find more details about their vehicle service contracts on their website.

While CarShield is popular and offers a wide range of plans, including some unique options for motorcycles and EVs, potential customers should be aware of past advertising concerns and read all plan details thoroughly. Checking recent customer feedback is also a smart move.

Concord Auto Protect

Concord Auto Protect is a company that started offering extended car warranty packages back in 2013. They operate as a direct provider, meaning they handle things themselves rather than going through a third party.

When we looked into Concord Auto Protect, some things stood out, and not always in a good way. For starters, they don't have any accreditation with the Better Business Bureau (BBB). In fact, the BBB gives them an F rating. There are also a couple of alerts from the BBB about the company. One of these mentions a lawsuit filed in June 2024 by the Pennsylvania Attorney General. The suit reportedly claims Concord Auto Protect "scammed vehicle owners with after-market warranties" that didn't actually provide the coverage they promised. Looking at customer feedback, Concord Auto Protect has a pretty low score on Trustpilot, just 1.4 stars out of 5. Yelp reviews aren't much better, with a 1.3-star rating.

Key Concerns with Concord Auto Protect

• BBB Rating and Accreditation: Concord Auto Protect lacks BBB accreditation and holds an F rating from the organization.

• Legal Issues: A lawsuit was filed by the Pennsylvania Attorney General in June 2024 concerning alleged deceptive practices.

• Customer Feedback: Online reviews on platforms like Trustpilot and Yelp show significantly low customer satisfaction.

What to Consider Before Choosing Concord Auto Protect

Given the information available, potential customers should be aware of the significant concerns regarding Concord Auto Protect's business practices and customer service. It's important to thoroughly research any warranty provider and understand the full scope of coverage before making a decision. For those seeking reliable extended auto protection, exploring alternatives with better track records might be a prudent step.

Concord Auto Protect vs. Other Providers

When comparing Concord Auto Protect to other companies in the market, it's clear that many competitors have stronger reputations and more positive customer feedback. For instance, companies like CARCHEX often partner with well-known automotive industry names, which can lend a sense of credibility. While Concord Auto Protect might present itself as a direct provider, the issues raised by the BBB and customer review sites suggest that other providers may offer a more secure and transparent experience for vehicle service contracts.

Empire Auto Protect

Empire Auto Protect has been in the business of offering extended car warranty plans since 2006. They stand out because, unlike many companies that push for phone quotes, Empire Auto Protect actually responded with specific pricing details via email when we inquired. That’s a pretty rare move in this industry, making it easier to get a clear picture of costs without a lengthy phone call.

Coverage Options

Empire Auto Protect provides a range of plans designed to cover various vehicle needs. While they don't offer the same number of tiers as some competitors, their plans aim to provide solid protection for your vehicle's major components. It’s always a good idea to check their sample contracts to see exactly what’s included and what’s not.

Customer Feedback and Reputation

When looking at Empire Auto Protect, it’s important to consider customer reviews. They aren't accredited by the Better Business Bureau (BBB), holding a B rating with them. Customer ratings on platforms like Trustpilot show a 4.3-star average, but many of the higher ratings seem to come from customers who have only experienced the initial sales process. There have been a notable number of complaints filed with the BBB, which is something to keep in mind.

It’s always wise to do your homework when selecting an extended warranty. Reading reviews and understanding the company’s history can save you a lot of hassle down the road. Make sure the coverage you choose actually fits your driving needs and your car's age.

Key Features

• Direct Email Quotes: A more transparent approach to pricing compared to many competitors.

• Established Company: In business since 2006, giving them a long track record.

• Plan Variety: Offers different levels of coverage to suit various budgets and vehicle types.

Understanding car warranties is important for protecting your vehicle investment understanding car warranties. Empire Auto Protect offers a specific way to get quotes, which can be helpful for some consumers.

ForeverCar

ForeverCar used to be a pretty big name in the extended car warranty world for about a decade. However, it looks like they stopped selling new plans back in the summer of 2023. Now, they're only handling customers who already have their plans. You can still log in to their website if you're a current customer, but there isn't much information available for the general public.

Why It Didn't Make Our List

ForeverCar isn't selling new extended car warranties anymore. Their website mainly has a login for existing customers. A company representative mentioned on the Better Business Bureau (BBB) site in September 2023 that they stopped offering plans for sale on August 9th and are only servicing existing contracts. This means if you're looking for a new warranty, ForeverCar isn't an option.

It's a shame when companies that were once popular stop offering new services. This can leave potential customers looking elsewhere, and existing customers wondering about the long-term stability of their contracts.

What to Consider Instead

Since ForeverCar is out of the picture for new policies, you'll need to look at other providers. Companies like Endurance, CarShield, and CARCHEX are still actively selling plans and have different coverage options. It's always a good idea to compare what they offer, check their customer reviews, and understand the terms and conditions before you buy. Remember to look into state regulations for car warranties to make sure you're getting a plan that complies with local laws.

Protect My Car

Protect My Car, established in 2008, offers three distinct levels of vehicle protection: Essential, Deluxe, and Ultimate. They also have a rewards program and plans that include annual oil changes and tire rotations. While they have a 4-star rating on Trustpilot, it's worth noting their BBB standing. They aren't accredited and have an F rating, with customer reviews averaging 2.3 stars. Many complaints mention long hold times, difficulty submitting claims online, and poor communication. Some customers also found their plans to be on the pricier side.

Coverage Tiers

Protect My Car provides three distinct levels of vehicle protection, designed to cater to a variety of coverage requirements for car owners. three tiers of extended warranty coverage

Customer Feedback

• Trustpilot: 4 out of 5 stars.

• Better Business Bureau (BBB): Not accredited, F rating, 2.3-star customer rating.

• Common Complaints: Long hold times, issues with online claim submission, lack of communication.

Key Considerations

When looking at Protect My Car, it's important to weigh the benefits of their rewards program and included maintenance against the reported customer service issues and BBB rating. Make sure to read any sample contracts carefully to understand exactly what is and isn't covered.

Chaiz

Chaiz is a newer player in the extended car warranty game, popping up in 2021. What sets them apart is their approach as a marketplace. Instead of selling their own plans, they connect you with various warranty providers, letting you compare quotes all online. This can be pretty convenient if you like doing things yourself. They boast an A+ rating from the Better Business Bureau, which is a good sign, though they aren't officially accredited. On Trustpilot, they have a decent 4.7-star rating, but it's based on a pretty small number of reviews, so take that with a grain of salt.

One thing to keep in mind is that when we tried getting quotes for cars with higher mileage, like 100,000 miles, Chaiz had limited options. Sometimes, the providers that did show up had less-than-stellar BBB ratings themselves. So, while the idea of a quick online comparison is nice, it’s still important to dig into the details of the actual warranty providers they list.

Key Features

• Online Quote Comparison: Get immediate price quotes from multiple providers without needing to call anyone.

• Marketplace Model: Acts as a platform connecting consumers with various extended warranty companies.

• BBB Rating: Holds an A+ rating from the Better Business Bureau, indicating a generally positive business practice.

Potential Drawbacks

• Limited High-Mileage Options: We found fewer choices for vehicles with significant mileage.

• Provider Variability: Some listed providers may have lower customer satisfaction or BBB ratings.

• Small Review Pool: Trustpilot ratings are based on a limited number of customer experiences.

While Chaiz offers a modern, digital approach to finding an extended car warranty, it's wise to remember that they are a facilitator. The ultimate quality of your coverage depends on the specific provider you choose through their platform. Always do your homework on the individual warranty company before committing.

Wrapping It Up: Your Next Steps

So, picking the right extended car warranty can feel like a puzzle, but it doesn't have to be a headache. We looked at a bunch of companies, checking out what they cover, how much people like them, and if they actually pay out when you need them. Remember, the best plan for you depends on your car and your budget. Take your time, read the fine print, and don't be afraid to get a few quotes before you sign anything. It's all about finding that peace of mind so you can just drive.

Frequently Asked Questions

What is an extended car warranty?

An extended car warranty, also called a vehicle service contract, is a plan you can buy to help pay for repairs after your car's original factory warranty runs out. It's like insurance for your car's mechanical parts.

How do I choose the best warranty for my car?

It's smart to compare quotes from different companies because prices can vary a lot. Check what each plan covers, like the engine, transmission, or other parts. Also, look at how much you have to pay for each repair (the deductible) and if there are waiting periods before coverage starts.

What should I watch out for with extended car warranties?

Some companies might not be upfront about what's covered or might have tricky rules. It's important to read the contract carefully and check reviews from other customers. Look for companies that are clear about their plans and have good customer service, especially when you need to make a claim.

Do I need an extended warranty if my car is still under factory warranty?

Generally, yes. While new cars come with a factory warranty, an extended warranty kicks in after that one expires. This can save you money on unexpected repair bills as your car gets older.

How much does an extended car warranty usually cost?

The cost can change a lot depending on your car's make and model, how old it is, and how much coverage you want. Some plans might cost around $600 to $1,000 each year, but this is just an average.

Can I choose my own mechanic with an extended warranty?

Yes, you can often choose where your car gets repaired. Many companies let you pick any licensed mechanic or dealership. However, always check the contract to be sure, as some plans might have specific requirements.