What To Know About American Auto Repair Coverage

Stephen Kenney
by Stephen Kenney

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It isn’t hard to figure out what American Auto Repair Coverage (AARC) sells—it’s in the name. A vehicle service contract from AARC can help offset the cost of car maintenance. But does American Auto Repair Coverage have the best coverage options for your needs?

This article will review AARC and provide you with all the information you need to know about the company, including what types of coverage it offers, how much plans cost, and what customers are saying.

Before making a decision on coverage, take a look at a few of the best extended car warranty providers and compare your quotes with those from American Auto Repair Coverage. This way, you can make sure you’re getting the best plan for your vehicle needs and budget. Start reaching out for free quotes from three of our top recommended providers above.


Tailor-made coverage options with low costs for the industry


Less established than competitors and has some concerning customer reviews

Bottom Line

American Auto Repair Coverage is a reputable provider and is worth a look.

American Auto Repair Coverage Review: 3.5 Stars

American Auto Repair Coverage is certainly a provider worth looking into. Based on the quotes we received from the company, it appears to be one of the lower-cost options out there.

However, the company is not as established as some competitors. While it has a good online reputation, this reputation is based on very few customer reviews. AARC may not conduct the same volume of business as bigger companies and has therefore had less scrutiny.

American Auto Repair Coverage has enough of an online presence to confirm that the company is legitimate and has happy customers. While some customers reported aggressive sales tactics, there has not been enough of an established pattern for the BBB to lower the company’s business rating.

American Auto Repair Coverage Highlights

Overall Rating










Customer Service


American Auto Repair Coverage has been selling vehicle service contracts since 2012. Though the company is headquartered in Missouri, contracts are available to customers across the US. According to the American Auto Repair Coverage website, the company pays out around $22 million in claims each year.

American Auto Repair Coverage Extended Warranty Plans

AARC offers three levels of coverage—Enhanced, Comprehensive, and Ultimate—that range from enhanced powertrain plans to full bumper-to-bumper extended warranties. Details for each plan are described in the chart below.






Transfer Case

Drive Axles

Air Conditioning

Cooling System

Fuel System


Starter Motor



High-Tech Parts

Master Cylinder


As you can see, the Ultimate plan offers the most comprehensive protection, closely replicating a manufacturer’s warranty. This is an exclusionary contract, meaning that instead of listing every covered part, it only lists the parts that aren’t covered under the warranty.

According to the American Auto Repair Coverage website, there are also tailor-made contracts available. With this type of plan, covered components are flexible and drivers may customize what they want to be included.

Added Benefits

All plans are fully transferable and include the following additional benefits, which are standard for the industry:

  • 24-hour roadside assistance
  • Towing
  • Rental car reimbursement
  • Trip interruption protection

American Auto Repair Coverage Cost

Like with any aftermarket car warranty, the final price of an American Auto Repair Coverage plan will depend on the terms of your contract. Longer-lasting exclusionary coverage is likely to be the most expensive. The age and mileage on your vehicle will also impact cost, with older vehicles costing more to cover. You can purchase an extended warranty before your factory warranty expires to secure a lower rate.

We contacted American Auto Repair Coverage and requested pricing for a full coverage (Ultimate) contract on a 2017 Ford Explorer with 45,500 miles. The salesperson offered us the following terms:

American Auto Repair Coverage Cost

Coverage Term

5 years or 75,000 miles



Payment Plan

$116 per month for 24 months

Down Payment


Total Cost


Cost Per Year of Coverage


We also asked for quotes for basic powertrain coverage. We were offered a total cost of $2,494 for the same contract term. This is not much lower for significantly less coverage. Most car warranty companies do not offer especially cheaper terms for powertrain coverage on newer vehicles with less than 60,000 miles.

The price quoted above is very competitive for the industry. The cost per year of coverage is lower than the industry average, which is about $850 for this amount of coverage for this vehicle. A similar contract from most competitors is likely to cost upwards of $3,500.

Quotes and Claims Processes

To get a quote from American Auto Repair Coverage, call the customer service department at 855-897-2272. When we called to request a quote, the entire process took less than 10 minutes. Our customer service representative was courteous and straightforward. Some extended warranty salespeople are especially pushy and aggressive, but this was not our experience with AARC.

All contracts can be purchased over the phone and include a 30-day money-back guarantee.


If you already have an American Auto Repair Coverage plan and need to file a claim, the process is simple. Call Concierge Claims Service, which will arrange a rental and help to schedule repairs. You can bring your vehicle to any repair facility certified by the National Institute for Automotive Service Excellence (ASE®), and AARC will pay the shop directly after repairs are completed. Customers only pay their deductible.

American Auto Repair Coverage Reviews and Ratings

American Auto Repair Coverage has a positive online reputation. The company has earned an A+ rating from the Better Business Bureau (BBB) and, at the time of publication, holds a 4.55 out of 5-star customer rating. Only 11 complaints against the company have been filed through the BBB in the past three years.

Customers who did complain were upset about aggressive sales tactics and trouble canceling contracts. One negative review reads:

“The salesperson for this company was a merciless shark. He scared and intimidated my wife into buying a car warranty she never needed... This company, from top to bottom, has treated my wife and I in the worst ways possible.” - Rob W. via BBB

While the review above is harrowing, it does not represent every customer’s experience with AARC. Here’s an example of a positive American Auto Repair Coverage review:

“[AARC] went above and beyond to solve an issue with the adjusters not wanting to pay for my repairs since I’m an Uber driver. I made them aware before I purchased my policy. Matrix refused to pay, so American stepped up to the plate... and paid for the repairs out of its own pocket.”- Robert R. via BBB

Top Recommendations for Extended Car Warranties

While American Auto Repair Coverage offers low rates and seems to be a reputable company, it is not your only option. When considering an extended car warranty, it’s smart to compare prices from multiple providers to make sure you’re getting the best bang for your buck. Consider getting free quotes from two of our top-rated providers, Endurance and CARCHEX, to compare with American Auto Repair Coverage.

Endurance: Best Coverage

We think Endurance provides the best coverage because of its wide range of options and long contract terms. Endurance contracts extend as high as 15 years and 200,000 miles, which is exceptional for the industry. It’s also one of the only providers that offers joint coverage for mechanical breakdown repairs and routine maintenance services like oil changes.

All Endurance warranties also come with some of the best benefits in the industry. Drivers get a free year of Endurance Elite Benefits. These benefits include free tire repair/replacements, key fob replacements, total loss protection, collision discount, 24/7 roadside assistance, and the Endurance mobile app.

Read more in our full Endurance extended warranty review, or reach out for a free, personalized quote by clicking below.

Our rating: 4.6 out of 5.0

Endurance is our pick for best coverage with its comprehensive warranty options.

Get Quote

(888) 650-5952

CARCHEX: Best Service

Our review team found that CARCHEX provides the best service for older vehicles. The company has five plan options, including one that’s geared toward higher-mileage cars, and can cover vehicles up to 10 years or 250,000 miles. These are some of the longest warranty terms available. Like Endurance, CARCHEX offers its customers trip interruption coverage, roadside assistance, and rental car reimbursement benefits.

CARCHEX holds an A+ rating from the BBB. Customers praise the provider for its low prices and excellent customer service.

You can learn more in our CARCHEX review, or get a free, personalized quote below.

Our rating: 4.4 out of 5.0

Our research found this provider to be the best for used cars.

Get Quote

(866) 254-0205


Our review team prides itself on sharing accurate and unbiased information with consumers. We have accumulated data from dozens of extended auto warranty companies to formulate our rankings of the industry’s best providers. Companies receive a score out of 5.0 overall, as well as a rating in each of the following categories:
  • Price: Comparing providers can be difficult due to the many factors that influence cost. To determine this score, we employ a secret shopper analysis using different vehicles, mileages, warranty plans, and locations.
  • Coverage: A wide variety of coverage is essential to support the differing needs of customers. We take into account the number of extended car warranty plans available, term limits, exclusions, and additional benefits.
  • Customer Service: The level of customer service and care provided by an extended warranty company is an important consideration. Our review team sifts through customer reviews and complaints from reputable sources such as the Better Business Bureau (BBB) and Trustpilot. We also consider the responsiveness of each company’s customer service team based on our secret shopper analysis.
  • Reputation: Good extended warranty providers consistently provide quality experiences. Our team takes into account BBB ratings and the company’s history of reliable service when giving this score.
  • Transparency: Customers value a commitment to open and honest communication when it comes to vehicle service contracts. Our team of experts takes into account the availability of money-back guarantees and sample contracts.
Stephen Kenney
Stephen Kenney

Stephen Kenney is a writer and editor who focuses on car insurance, auto financing, and vehicle shipping services. He's a graduate of UNC-Chapel Hill and has experience covering categories ranging from travel to sports to environmental sustainability. In his free time, Stephen enjoys going on long-distance runs, trying out new recipes, and exploring his adopted hometown of Cincinnati.

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