November 10, 2021
| On 2 weeks ago

CARCHEX: Reviews, Coverage Plans, and Costs (2021)

CARCHEX is one of the most well-known extended auto warranty providers in the US. There are hundreds of positive CARCHEX reviews from customers on websites such as Trustpilot and the Better Business Bureau (BBB), but there is also a good number of complaints. So, is CARCHEX the right option for an extended warranty?

In this article, we’ll closely examine CARCHEX reviews, average costs, and coverage plans. We believe CARCHEX ranks among the best extended car warranty providers in the country, but that doesn’t mean a CARCHEX contract is ideal for everyone. Read this CARCHEX warranty review to make the most informed decision possible.

★★★★★
Our research found this provider to have the Best Service.

To learn more about our editorial integrity policy and how we make money through affiliate partnerships, read our full disclosure here.

CARCHEX Highlights

Overall Rating 4.8
Reputation 4.9
Coverage 5.0
Price 4.7
Transparency 4.3
Customer Service 5.0

In business since 1999, CARCHEX is one of the industry’s longest-running extended warranty companies. CARCHEX reviews from all 50 states show that drivers appreciate its wide-ranging coverage choices, exceptional service standards, and affordable pricing.

CARCHEX also holds several significant partnerships, including ones with CARFAX, Kelley Blue Book, RepairPal, and Edmunds.com. The Baltimore, Maryland-based company is the only one of our top four extended warranty providers to earn an A+ rating from the BBB along with full BBB accreditation.

Like most extended warranty providers, CARCHEX does not administer its own contracts. Your coverage plan may be handled by American Auto Shield, Royal, Allegiance, or CARCHEX Connect.

CARCHEX Warranty Cost

CARCHEX car warranties vary in cost depending on multiple factors. These include vehicle make, model, and mileage. Our team reached out for a quote on a 2017 Ford Explorer with 45,000 miles on the odometer to compare costs.

When we inquired about the top-tier Titanium plan, CARCHEX quoted us $202.89 per month for 18 months, coming out to a total of $3,652.02. For the Silver powertrain warranty plan, we received an offer of $165.78 per month for 18 months, equaling out to $2,984.04.

Both of the CARCHEX plans came with a $100 deductible and did not require a down payment. Below are additional details about the warranty quotes we received:

Plan Name Term Length Monthly Payment Down Payment Total Price
2017 Ford Explorer Titanium 5 years/
100,000 miles
$202.89
for 18 months
No down payment $3,652.02
2017 Ford Explorer Silver 5 years/
75,000 miles
$165.78
for 18 months
No down payment $2,984

The rates CARCHEX quoted us were slightly more expensive than what we received from Endurance and CarShield for the same vehicle and coverage level. This is averaged out by the extra years and miles of coverage that come through CARCHEX compared to other providers.

CARCHEX Coverage Plans

CARCHEX has five service plans, ranging from the exclusionary coverage of the Titanium plan to the powertrain-focused Bronze plan. The company hopes to receive positive CARCHEX reviews by creating warranty options that fit all drivers’ needs and budgets.

You can view sample contracts on the CARCHEX website, which lists every covered component. Make sure to read through any contract before signing, so you understand exactly what vehicle parts are covered. No extended warranty contract covers every part of your car.

You’ll find details about each of the five CARCHEX service plans below:

CARCHEX Coverage Plan Coverage Terms Warranty Overview
Titanium plan Up to 10 years The highest level of coverage available, similar to a bumper-to-bumper warranty
Platinum plan Up to 10 years Covers hundreds of components from all major vehicle systems, from your alternator to the drivetrain
Gold plan Up to 10 years Covers components from all major vehicle systems, from the drive axle to air conditioning
Silver plan Up to 7 years Provides coverage for the essential systems of your vehicle
Bronze plan Up to 6 years Suitable for high-mileage vehicles and designed to protect you from the most common and expensive repairs to the engine and transmission

The coverage plans from CARCHEX are pretty standard for the auto warranty industry. Most companies have an exclusionary offering similar to the Titanium plan, as well as stated-component coverage similar to the CARCHEX Bronze powertrain plan.

With any vehicle service contract, you must maintain your vehicle according to the factory warranty service schedule in order to keep your warranty coverage valid. This means that if you neglect to regularly change your oil, your vehicle service contract may be invalidated.

All CARCHEX plans come with a 30-Day Money-Back Guarantee. Customers can receive a full refund if they cancel during the waiting period, or a prorated refund if they cancel after 30 days, provided no claims have been submitted.

Included Benefits

In addition to helping with repair costs, an extended vehicle protection plan with CARCHEX offers a number of benefits to customers who purchase an extended car warranty. Such perks include:

  • Emergency roadside assistance
  • Rental car reimbursement
  • Towing benefits
  • Trip interruption benefits
  • Fuel delivery

These benefits are typical for an extended warranty plan, but customers seem to be happy with them in CARCHEX reviews. Be aware that there are maximum reimbursement amounts for each benefit, so they may only partially cover each service. The low reimbursement rates from CARCHEX are typical, and we haven’t reviewed any extended warranty providers that offer much more.

Exclusions

There are a few exclusions that are common to almost every extended warranty provider in the industry, and they’re also true of CARCHEX. These include:

  • Items that are damaged by acts of nature, collision, or vandalism
  • Items that have been modified or altered
  • Certain luxury brands, such as Alfa Romeo, Aston Martin, Bentley, and Lamborghini
  • Wear and tear items such as brake pads, wiper blades, tires, and wheels

CARCHEX vehicle service contracts promise to pay for certain car repairs if a breakdown occurs. It’s important to know that coverage only applies for repairs caused by normal use. Virtually all extended warranty contracts work this way, so don’t expect CARCHEX or any other provider to cover wear and tear.

CARCHEX Reviews and Ratings

As with most extended car warranty companies and dealerships, CARCHEX reviews are quite mixed. The company holds a 3.2-star rating from over 1,400 Trustpilot customer reviews, while the BBB gives CARCHEX an A+ rating and full accreditation. There’s no denying that CARCHEX is a reputable extended car warranty company, though, as seen by its various endorsements from leaders in the auto industry.

Below are some CARCHEX reviews we found that offer a better look at CARCHEX customer service standards:

Positive CARCHEX Reviews

Many positive CARCHEX reviews mention excellent experiences during the purchase process. You’ll also find many CARCHEX reviews that mention a quick and smooth claims process.

I had heard horror stories of trying to utilize warranties when needed, but this was far beyond my greatest expectations. … The turnaround was so quick. I will definitely be considering a CARCHEX warranty with the next used car I get!

– Andrew R. via BBB

[The CARCHEX salesperson] gave me some really good advice on buying a car and the pitfalls. He actively dissuaded me from the warranty and the approach I was thinking about. … He puts the customer first, not selling a product that might do half of what I wanted.

– Mick O. via BBB

Negative CARCHEX Reviews

It’s important to consider how customers feel about their extended warranty provider after they file a claim. While some CARCHEX reviews highlight an easy claims process, this is not the case for every driver. Others may have misread their contracts, leading them to disappointments with the parts covered by CARCHEX. 

I had a $100.00 deductible on my CARCHEX contract. Had a breakdown, the repair was $4,500.00. They denied my claim. After six weeks of fighting with them, they paid a portion of it. I had to pay over $2,600.00.

– Robert U. via BBB

I would not call it an extended warranty, and the notion of a vehicle service program is overstated. Their calculation [for] average repair rate does not even come close to any certified repair shop.” 

– Moe A. via BBB

CARCHEX Quotes and Claims

The process for getting quotes from CARCHEX is extremely straightforward. When we reached out for quotes, it took under a minute for a CARCHEX representative to pick up the phone. While on the line, we received offers from CARCHEX in about six minutes.

You’ll find plenty of CARCHEX reviews from drivers who appreciated the company’s online instant quote feature. If you’d prefer to explore your coverage options that way, you’ll find a simple process on the CARCHEX website.

CARCHEX Claims Process

The claims process used by CARCHEX is normal for the industry. Here are the steps needed to submit a claim for a CARCHEX aftermarket auto warranty:

  1. Take the vehicle to one of more than 30,000 certified repair facilities nationwide.
  2. Authorize the repair shop to diagnose the vehicle.
  3. Have the facility contact the CARCHEX claims department to receive approval.
  4. Pay the applicable deductible.

Once you’ve paid off your deductible, the rest of your car repair will be covered by CARCHEX. The company pays repair shops directly, so you’ll avoid paying for the repair upfront and waiting for reimbursements.

CARCHEX reviews are all across the board when it comes to claims processing. Some people note long wait times, while others praise the speed of service. The speed of claims processing may depend greatly on your contract administrator.

CARCHEX Claims Contact Info

If you’ve got a general question about the CARCHEX claims process, reach out to the company at 1-877-227-2439. However, specific claims requests should be directed to your warranty’s administrator. Look in your contract to find out which provider administers your own extended warranty.

CARCHEX Claims Administrator First Digits of Your Contract Claims Phone Number
Administration Plus OCC 1-800-871-0467
Alpha Warranty Services 522 1-800-662-5519
American Guardian Warranty Services SDR1 1-800-579-2233
Assurant Solution 801, 802 1-866-305-4276
Century Warranty Services B001 1-866-732-8503
Enterprise Financial Group 9005 1-800-527-1984
National Administration Services BAA 1-877-356-1500
Old Republic CCTS 1-800-354-3953
Royal Administration Services 137, 491, 611, 642, 734, 820, RAD, SAD 1-800-871-0467
Vemeco/Warrantech 125, 149, 930 1-800-723-5475

According to CARCHEX reviews, you’ll more than likely have a positive claims experience. While you probably won’t need to reach out for help with your auto claim, it’s smart to take note of your administrator’s contact information.

CARCHEX Extended Warranty: 4.8 Stars

We give CARCHEX a 4.8-star rating overall. With its numerous awards, notable partnerships, A+ rating from the BBB, and full accreditation from the group, CARCHEX is arguably the most reputable extended warranty provider.

On top of that, CARCHEX is available in all 50 states and offers a range of vehicle service contracts. For these reasons, we named CARCHEX the Best Service provider and believe CARCHEX is an outstanding choice for an extended auto warranty.

★★★★★
Our research found this provider to have the Best Service.

Top Recommendations for Extended Car Warranties

Even if you believe CARCHEX is the right extended auto warranty provider for you, it’s always worth it to get free, no-obligation quotes from more than one company. By doing this, you can compare pricing and coverage options. You can also get a feel for different providers’ customer service.

Here are two other top extended car warranty companies to consider contacting for a free quote.

Endurance: 4.9 Stars

Our review team gave Endurance the highest rating overall and named it the provider with the Best Coverage. This is due to perks such 24/7 roadside assistance, tire repairs and replacements, and collision repair discounts that are free and standard for one year with any Endurance auto warranty plan.

Endurance has six coverage options, with one of the more unique being the EnduranceAdvantage™ plan. This offering lets drivers combine a thorough warranty plan with normally excluded maintenance costs such as oil changes and replacements for brake pads.

If you’d like to compare multiple car warranty options, be sure to check out our Endurance vs. CARCHEX article.

★★★★★
Endurance is our pick for Best Coverage, with its comprehensive plan options.

CarShield: 4.6 Stars

CarShield offers the lowest average monthly cost of our top providers, leading to its position as the provider offering the Best Value. From powertrain coverage up to an exclusionary plan, nearly all motorists will get a good deal according to CarShield reviews.

CarShield has sold extended car warranties since 2005 and is by far one of the most popular extended auto warranty companies in the nation. The company says its administrators have paid over $1 billion in claims to customers and covered over 1 million vehicles.

Learn more about your extended warranty options in our CarShield vs. CARCHEX piece and our article on CarShield vs. Endurance.

★★★★½
Our research found this provider to give the Best Value. Plus, it offers monthly plans.

Q & A

Here are some frequently asked questions about CARCHEX and CARCHEX reviews.
What does CARCHEX cover?
CARCHEX coverage depends on the extended warranty plan you choose. For example, the Titanium plan is similar to a new car's bumper-to-bumper or manufacturer's warranty in that it covers almost every vehicle component. Bronze coverage, on the other hand, only offers vehicle protection for essential components such as the engine.
Is CARCHEX legitimate?
CARCHEX reviews show it is a legitimate extended car warranty provider. It holds accreditation and an A+ rating from the Better Business Bureau. CARCHEX is also partnered with industry leaders such as Kelley Blue Book, Edmunds.com, and CARFAX.
How much is a CARCHEX warranty?
The price of a CARCHEX warranty is dependent on several factors, including your vehicle’s age, mileage, and model. The best way to find out what your price would be is to get a free quote for an extended car warranty from CARCHEX.
Is CARCHEX the same as CarShield?
Even though both CARCHEX and CarShield are extended warranty providers that can offer peace of mind when it comes to car repairs, they are separately owned companies.
Where do I find out how to cancel a CARCHEX warranty?
Your warranty contract should explain exactly how to cancel CARCHEX. Usually, drivers must reach out to their warranty administrator in writing to cancel plans and receive prorated refunds minus the cancellation fee.
What is the CARCHEX claims number?
Your CARCHEX claims phone number varies depending on which company administers your extended warranty plan. Head to the CARCHEX website or the chart above to determine which claims number to call.