CarShield is one of the most popular extended auto warranty providers on the market. Since the company opened its doors in 2005, CarShield’s administrators have paid over $1 billion in claims to customers, and CarShield has covered over a million vehicles. CarShield reviews have also been positive—the company has received solid ratings on Trustpilot and Google.
In this article, we’ll discuss CarShield’s coverage plans, cost, quotes and claims processes, and customer reviews. Based on these findings, we’ll give CarShield a star rating that reflects its overall value to extended warranty customers.
Our review team also conducted research and compiled a list of the best extended auto warranty companies, and CarShield was recognized for being the Best Value provider. An extended auto warranty is a great way to ensure peace of mind on the road after your factory warranty expires. You can get a free quote for a CarShield extended warranty below.
Our research found this provider to be the most affordable. Plus, it offers monthly payment plans.
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Based in St. Peters, Missouri, CarShield offers six coverage plans available in every US state except for California and is unique for covering motorcycles and all-terrain vehicles (ATVs) in addition to automobiles. American Auto Shield operates as the administrator for CarShield’s plans.
You can find CarShield in the 2017 Inc. 5000, a list of the fastest-growing companies in the US. The extended warranty provider was also named among the Best Places To Work by Glassdoor in 2018. In addition to its recent awards and national TV recognition, CarShield reviews and ratings are very positive.
CarShield Extended Auto Warranty Coverage
CarShield offers six coverage plans:
- Diamond: This is CarShield’s most comprehensive plan, covering everything from fuel pump breakdowns to starter problems to transmission failures. This plan does not cover aesthetic parts, hoses, belts, trim, and wear items.
- Platinum: CarShield’s Platinum plan covers parts of your vehicle’s engine, transmission, air conditioning, electrical system, and more. However, it does not cover every part within those particular systems.
- Gold: This plan is an enhanced powertrain plan. In addition to common powertrain items such as the engine and transmission, this plan covers the alternator, power window system, and more.
- Silver: This is CarShield’s most affordable extended warranty plan, and it focuses on the most important parts of the vehicle’s powertrain. These include the vehicle’s transmission, water pump, and drive axle.
- Aluminum: CarShield’s Aluminum plan covers most computer-related problems and electrical problems in your vehicle, including the engine control module, starter, alternator, and more.
- Motorcycle & ATV: This plan offers coverage for motorcycles and ATVs.
Here’s an overview of what each CarShield warranty plan covers:
|Motorcycle & ATV||Aluminum||Silver||Gold||Platinum||Diamond|
|Fuel Delivery System||✓||✓||✓||✓|
It is important to note that some items are not covered by any CarShield plan. Below are a few of the exclusions found in a CarShield contract. These exclusions are common to most every extended warranty provider in the industry:
- Items damaged by acts of nature, collision, or vandalism
- Items that had repairs performed without prior authorization from CarShield
- Items with modifications or alterations
Along with coverage for auto repairs, CarShield provides the following benefits with every contract:
- 24/7 roadside assistance
- Flat tire services
- Battery jump-starts
- Lockout services
- Towing reimbursement up to $75
- Trip interruption benefits up to $50 per day for three days
- Rental car reimbursement with some plans
- Full refund if cancellation takes place within 30 days of purchase
CarShield Auto Warranty Cost
One of the reasons for CarShield’s popularity is its low prices, according to numerous CarShield reviews. When our review team reached out for a bumper-to-bumper warranty for a 2017 Ford Explorer with 45,000 miles on the odometer, we were quoted $129.99 monthly for the Diamond plan.
We also requested a quote for a 2013 Dodge Caravan with 88,000 miles and were offered two different payment options for the powertrain-plus Gold plan. Keep in mind that the cost of a CarShield extended warranty depends on a variety of factors—your vehicle’s mileage, the plan you choose, and the terms of your coverage—so your own rates may vary.
|CarShield Warranty Plan||Term Length||Monthly Payment||Down Payment||Deductible|
|Ford Explorer||Diamond||Unlimited||$130||First month’s payment||$100|
|Dodge Caravan||Gold||4 years/ 48,000 miles||$78 for 18 months||$250||$100|
|Dodge Caravan||Gold||4 years/ 48,000 miles||$63 for 24 months||$150||$100|
Compared to highly rated car warranty companies, CarShield’s bumper-to-bumper plan was much cheaper on a monthly basis. The unlimited term length also means you can get coverage for a long period of time. However, because the protection plan is unlimited, you could end up paying more for your extended warranty over the course of many years, compared to many other plans which can be paid in full.
Our review team found the plans for the older Dodge to be very affordable. For the breadth of coverage included in the Gold plan and the price, we think CarShield is a great choice for a powertrain plus warranty in particular. After your manufacturer’s warranty expires, a CarShield extended auto warranty is a good option for continued protection.
Quotes and Claims Processes
We tested CarShield’s quotes process twice, both by calling and by submitting a request online for a quote. When our team member called in, the wait time was less than one minute to speak to a CarShield representative, and the call took three minutes in total. Compared to other providers we tested, this process was much quicker.
The online quotes process was more time-consuming. After submitting a quote request form on CarShield’s website, it took 10 days to get the quote.
CarShield’s claims process is fairly simple:
- Take your vehicle to any mechanic certified by the National Institute for Automotive Service Excellence (ASE®).
- Give your CarShield contract to the service manager or a certified technician at the repair facility, and have them call claims at 800-531-1925.
- Review your warranty with the service manager to make sure this is a covered repair.
Pay your deductible through the ASE-Certified repair shop. CarShield will pay the remainder of the repair cost to the shop directly, so you don’t have to front the money and wait around for a reimbursement check.
CarShield Reviews and Ratings
Like most extended warranty providers, CarShield has received mixed customer reviews. The company has a 4.1 out of 5.0-star rating on Trustpilot with over 15,000 reviews. Many customers praise its customer service representatives and budget-friendly coverage plans. In addition, CarShield customer reviews on Google give the company a 4.0-star overall rating. However, CarShield currently has an F rating from the Better Business Bureau (BBB) and a 1.44-star rating from previous buyers.
Here are a few sample reviews:
Positive CarShield Reviews:
“I’m totally satisfied with the customer service experience and monthly payment that works for my budget.”
– Terence via Trustpilot
“[My] agent was pleasant, upbeat, and helpful.”
– Jerome Friedman via Trustpilot
Negative CarShield Reviews:
“I put in a claim over a month ago, and [CarShield] still has not processed the repairs…”
– Mike Jones via Google
“I was pressured to buy a policy, and I was told that I had to accept the policy price before terminating the call. Otherwise, the quoted price would not be available later.”
– GixxerWolf via Google
CarShield Extended Warranty: 4.6 Stars
Our CarShield review found that CarShield is a reputable extended car warranty provider. We named CarShield the Best Value for its low prices as well as the company’s extensive choices for coverage and flexible payment plans. Click below to get a free, personalized quote for a CarShield auto warranty.
Other Recommendations for Extended Car Warranties
While CarShield is one of our top extended warranty providers and is a great choice if you’re on a budget, it’s always a good idea to get quotes from more than one company. By doing so, you can compare pricing and coverage options to determine which provider is right for you and your vehicle.
Here are two other excellent auto warranty companies to consider. You can get a quote from each of them below.
Endurance: Best Coverage
Endurance partners with Andretti Autosport, a very successful auto racing team, and was the primary sponsor of Jarett Andretti’s McLaren in the Pirelli GT4 America Sprint Class for the 2020 season. The company is backed by an AM Best A-rated insurance company as well.
In addition, the Endurance Elite Membership provides the best benefits in the industry, including two tire replacements and/or repairs and a personal concierge assistant.
Endurance is our pick for best direct provider with its comprehensive coverage options.
CARCHEX: Best Service
Based in Baltimore, Maryland, CARCHEX has a strong reputation in the industry for its positive treatment of customers and employees. An eight-time Inc. 5000 honoree, CARCHEX also earned a Top Workplaces Award by the Baltimore Sun for seven consecutive years.
Our review team recognizes CARCHEX for having the Best Service. CARCHEX has great customer reviews and has the most notable partnerships of any extended warranty provider with partners such as CARFAX, Edmunds.com, and Kelley Blue Book. It’s a great choice for high-mileage vehicles and used cars.