An extended auto warranty is one way to ensure peace of mind after your factory warranty expires, and CarShield is one of the most popular providers on the market. The company says it has covered over 1 million vehicles, but how many CarShield reviews are ringing endorsements?

In this article, we’ll discuss CarShield reviews, coverage plans, and standard costs before diving into the company’s process for quotes and claims. Along with focusing on CarShield reviews, our warranty team compiled a list of the best extended car warranty companies to help find the provider that’s right for you.

Our rating: 4.2 out of 5.0
Our research found this provider to be the most affordable. Plus, it offers monthly plans.

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


CarShield Review: 4.2 Stars

Our reviews team rated CarShield 4.2 out of 5 stars and found them to be an extremely reputable extended car warranty company overall. We name CarShield the “Best Value” extended warranty provider for its low prices, numerous coverage options, and flexible payment plans. There are some negative reviews of CarShield online, but the vast majority of drivers appreciate its competitive rates and excellent vehicle protection.

Overall Rating 4.2
Reputation 3.7
Coverage 4.6
Price 4.5
Transparency 5.0
Customer Service 3.6

CarShield extended car warranty reviews are solid, as seen by the company’s 4.0-star average score out of 5.0 from over 30,000 reviews on Trustpilot. The extended warranty provider has also earned some praise from the music industry with an endorsement from rapper and musician Ice-T.

What Is CarShield?

CarShield is a vehicle service contract broker which means they sell service contracts indirectly for other direct warranty providers. CarShield offers coverage for up to 300,000 miles and has five vehicle coverage plans along with options for motorcycles and all-terrain vehicles (ATVs). American Auto Shield serves as the administrator for CarShield’s plans, and it has paid over $1 billion in claims to customers since the company’s founding.

CarShield Company Information

Founded: 2005

Headquarters: St. Peters, Missouri

Availability: All states except California

How Does CarShield Work?

CarShield insures your car when a mechanical breakdown occurs through a vehicle service contract. Car repairs can be expensive so these contracts allow you to be covered if you pay a monthly rate and a small deductible whenever a repair occurs. CarShield offers six different levels of coverage that last up to 300,000 miles.

How Much Does CarShield Cost?

One of the main reasons for CarShield’s popularity is its low prices, according to numerous CarShield reviews. While costs may vary, CarShield’s highest level of coverage costs between $80 and $100 per month on average. The company offers affordable pricing overall compared to top providers which earned it the title of the Best Value provider.

CarShield Prices

CarShield carefully thinks through the following factors when setting prices for your specific vehicle service contract:

  • Car make, model, and mileage: Older cars, models with subpar reliability, and high-mileage vehicles cost more to maintain
  • Level of coverage: More thorough plans come with higher prices, though they may save drivers money over longer periods
  • Deductible amount: Plans with lower deductibles typically cost extra, though less when repairs occur

Owners of older, unreliable, or high-mileage cars will likely pay more for extended auto warranty coverage. You’ll also receive a higher rate if you select a more extensive or longer-lasting plan.

CarShield Rates

When our team reached out for a bumper-to-bumper warranty on a 2017 Ford Explorer with 45,000 miles on the odometer, CarShield quoted us $129.99 per month for the premium Diamond plan with a $100 deductible. We also requested a quote for a 2013 Dodge Caravan with 88,000 miles and received two payment options for the powertrain-plus Gold plan. CarShield quoted us the same monthly rate for the unlimited plan above but said we also qualified for a 4 years/48,000 miles version of the Gold Plan. That contract costs $78 per month for 18 months, totaling $1,654.

Below is a breakdown of the quotes we received for CarShield bumper to bumper coverage for a Ford Explorer and Dodge Caravan:

CarShield Warranty Plan Term Length Monthly Payment Down Payment
Ford Explorer Diamond Unlimited $129.99 First month’s payment
Dodge Caravan Gold 4 years/48,000 miles $78 for 18 months $250
Dodge Caravan Gold 4 years/48,000 miles $63 for 24 months $150

Compared to other highly rated car warranty companies, CarShield’s bumper-to-bumper plan was much cheaper on a monthly basis. The unlimited term length is mentioned in various CarShield reviews since it allows for long-term coverage. On the other hand, you may end up spending more on an unlimited vehicle protection plan, since you’re not paying for coverage 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 believe CarShield is a great choice for a powertrain-plus warranty after your manufacturer’s warranty expires.

How Much Do Extended Warranties Cost?

In a 2021 survey, we asked drivers how much they paid for extended auto warranties from a variety of providers. By looking at the data, it’s easy to tell whether you’re receiving a fair rate for extended coverage from CarShield.

Our study reveals that most drivers pay between $1,600 and $3,200 for the entire length of their extended car warranty. If you’re being quoted a rate that’s far higher than this amount, you may want to consider coverage from another provider.

CarShield Deductible

Our research team received quotes for several plans from CarShield and all of them had a $100 deductible. CarShield says it has low or $0 deductible plans, but a lower deductible usually means a higher price tag for coverage.

What Does CarShield Cover?

CarShield’s six vehicle service contract options can cover cars for up to an impressive 300,000 miles, so it’s rarely difficult for drivers to find a plan that fits their needs. According to CarShield reviews, the company’s offerings are both extensive and of a high quality.

CarShield Plans

The table below explains which car parts are covered by each CarShield warranty plan:

Diamond Platinum Gold Silver Aluminum Motorcycle & ATV
Engine
Transmission
Drive Axle
Transfer Case
Air Conditioning
Fuel Delivery System
Fuel Injector
Fuel Pump
Steering
Suspension
Brake System
Electrical
Wiring Harness
Instrument Cluster
GPS
Factory Audio
Starter
Alternator
Power Windows
Water Pump
Radiator

If you’re wondering about a specific part that’s not listed above, reach out to a CarShield representative by phone. According to CarShield reviews, the company’s agents are generally friendly and accessible to customers.

CarShield Diamond Coverage

Diamond coverage is CarShield’s most extensive offering and mirrors the bumper-to-bumper warranty found on new cars. It’s a solid choice for motorists who want almost complete coverage to boost their peace of mind while on the road.

Below, you’ll find some details about Diamond coverage from CarShield:

  • Most extensive coverage from CarShield
  • Complete protection for almost all car parts
  • Includes a short list of exclusions
  • Usually a $0 or $100 deductible
  • Benefits such as roadside assistance, rental car reimbursement, and trip interruption coverage

CarShield reviews mention that the Diamond plan is both comprehensive and somewhat pricier than other offerings. It offers a strong value, though, due to the broad extent of its coverage.

Platinum Coverage

Those who pick up Platinum coverage gain an extensive plan that only leaves out a few parts from the Diamond option. The Platinum plan is one of the best extended warranties for cars over 100k miles because of its outstanding coverage.

We’ll run through a few specifics of CarShield’s Platinum plan below:

  • Extensive coverage which leaves out a few minor parts
  • Marketed specifically toward high-mileage cars
  • Usually a $0 or $100 deductible
  • Benefits such as roadside assistance, rental car reimbursement, and trip interruption coverage

If you’ve got an old car and are hoping to keep it for years to come, consider the Platinum plan. CarShield reviews speak highly of this offering, especially for those with plenty of miles already on their vehicles.

CarShield Gold Coverage

Gold coverage from CarShield is an enhanced powertrain plan that covers the basics of your car along with a few extras. It’s a nice choice for those who don’t want to spend too much on an extended warranty but still want plenty of protection.

Read the following for some information about CarShield’s Gold coverage plan:

  • Covers powertrain parts such as the engine, transmission, and drive axles
  • Also protects the starter, alternator, air conditioning, and other parts
  • Usually a $0 or $100 deductible
  • Benefits such as roadside assistance, rental car reimbursement, and trip interruption coverage

CarShield reviews mention that the Gold plan is excellent for those who want a relatively affordable but helpful extended car warranty.

CarShield Silver Coverage

If you’re looking for a cost-effective powertrain warranty, make sure to look at Silver coverage from CarShield. You’ll gain protection for the most expensive parts of your vehicle, though many components will be left out entirely.

Consider some of the specifics of CarShield’s Silver plan below:

  • Covers powertrain parts such as the engine, transmission, and drive axles
  • Most affordable extended warranty from CarShield
  • Usually a $0 or $100 deductible
  • Benefits such as roadside assistance, rental car reimbursement, and trip interruption coverage

CarShield reviews for Silver coverage are generally positive as long as motorists understand that they’re not getting comprehensive coverage. Since it’s a relatively cheap warranty plan, there are plenty of exclusions to be aware of.

CarShield Aluminum Coverage

Aluminum coverage is a bit different than CarShield’s other offerings, as it covers your car’s electrical systems and computer-related parts. This high-tech option is excellent for those with new cars or luxury vehicles that come standard with sophisticated hardware.

  • Covers high-tech parts such as the GPS, audio system, and gauges
  • Also protects basic parts such as brakes, suspension, and air conditioning
  • Entirely leaves out powertrain components
  • Usually a $0 or $100 deductible
  • Benefits such as roadside assistance, rental car reimbursement, and trip interruption coverage

Remember that some of the most expensive powertrain parts in your car will receive no coverage from the Aluminum plan. Certain CarShield reviews speak negatively of that aspect of Aluminum coverage, so it’s something to be aware of beforehand.

CarShield Motorcycle and ATV Coverage

Those who own a motorcycle or an all-terrain vehicle (ATV) can protect it through CarShield. The company’s Motorcycle & ATV plan matches the protection that comes standard with either Gold or Platinum coverage for typical vehicles.

Below, we’ve listed out some of the basics of CarShield’s Motorcycle & ATV coverage:

  • Comes with either powertrain-plus or high-tech protection
  • Available to owners of qualifying motorcycles or ATVs
  • Usually a $0 or $100 deductible
  • Benefits such as roadside assistance, rental car reimbursement, and trip interruption coverage

It’s rare to find an extended warranty that protects motorcycles or ATVs, so CarShield’s option is quite valuable. It’s a great way to keep vehicles beyond SUVs, sedans, and trucks in top shape for years to come.

CarShield Roadside Assistance (And Other Perks)

Along with coverage for auto repairs, CarShield provides the following perks with every contract. Note that there is a limit to how many times per year many of these offerings can be taken advantage of:

  • 24/7 roadside assistance
  • Flat tire services
  • Battery jump-starts
  • Lockout services
  • Fuel delivery
  • Towing reimbursement up to $125
  • 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

While few CarShield warranty benefits offer anything particularly out of the ordinary, the company’s offerings will certainly help out in the event of a mechanical breakdown.

What Does CarShield Not Cover?

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, collisions, or vandalism
  • Items that had repairs performed without prior authorization from CarShield
  • Items with modifications or alterations
  • Damage from owner abuse or neglect
  • Repairs backed by preexisting warranty coverage

Remember that CarShield warranty plans exist to protect your vehicle from issues brought about by mechanical breakdowns. If your car is involved in an accident or gets damaged by hail or flying objects, don’t expect your extended warranty to cover the issues.

Does CarShield Cover Brakes?

The Diamond, Platinum, Aluminum, and Motorcycle & ATV plans cover brakes. Remember that brake pads are considered wear and tear items, so they’re excluded from coverage.

CarShield Waiting Period Length

Each CarShield warranty comes with a 20 days/500 miles waiting period. The company won’t begin protecting your car until the waiting period is over to make sure it’s safe from preexisting vehicle issues.

How Do I Cancel CarShield Plans?

Your warranty contract should explain exactly how to cancel a CarShield contract. Usually, drivers must reach out to American Auto Shield in writing to cancel their plan and receive a prorated refund minus the $75 cancellation fee.

How Does a CarShield Warranty Work?

The CarShield claims and quotes processes are relatively simple, but it can sometimes help to know a bit more about how they work before signing up. We’ll walk you through how to get a quote or file a claim below.

CarShield Quotes

We tested CarShield’s quotes process by both calling and submitting a request online for a free, no-obligation quote. When our team member called in, the wait time was less than a minute to speak with a CarShield representative, and the call lasted only three minutes. Compared to other providers we tested, this process was much quicker.

However, the online quotes process was more time-consuming. After submitting a quote request form on CarShield.com, it took 10 days to receive the quote.

CarShield Claims

Some CarShield reviews speak negatively of the company’s claims process. The procedure is relatively simple, though:

  • 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 rest of your repair cost to the shop directly, so you don’t have to front the money and wait around for a reimbursement check. You also won’t need to head for a dealership to get repairs done through CarShield.

CarShield Waiting Period

Each CarShield warranty comes with a 20 days/500 miles waiting period. The company won’t begin protecting your car until the waiting period is over to make sure it’s safe from preexisting vehicle issues.

CarShield Customer Reviews

Like most extended warranty providers, CarShield receives mixed customer reviews. As mentioned, the company has a 4.0-star rating out of 5.0 on Trustpilot with over 30,000 reviews, showing that it’s reputable in an industry with far too many scams. CarShield reviews on Google give the company a 4.2-star rating.

However, CarShield holds an F rating from the Better Business Bureau (BBB) and only a 1.4-star rating on the BBB website from drivers who rate the warranty provider.

CarShield Reviews and Complaints

Below are some of CarShield’s positive reviews and complaints about their warranty services:

Positive CarShield Reviews

In the positive CarShield reviews we found, customers praise the company’s customer service representatives and budget-friendly coverage plans.

“I’m totally satisfied with the customer service experience and monthly payment that works for my budget.” 

– Terence via Trustpilot

“Excellent, above excellent. The people are very professional and worked well with the repair shop. They stood behind their warranty. CarShield is the best and then there’s the rest.”  

– DanO via BBB

CarShield Complaints

Negative CarShield reviews commonly speak of long wait times and warranty claims being flat-out denied. Other negative reviews mention some salespeople being pushy.

“I put in a claim over a month ago, and [CarShield] still has not processed the repair.” 

– Mike J. 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 reviews generally speak to a company that offers affordable pricing and extensive coverage options. Between these two reasons, it’s not hard to see why the company has a strong rating on Trustpilot.

CarShield App Reviews

CarShield reviews speak relatively well of the company’s app, which reduces the amount of paperwork required for your extended warranty. By using the CarShield app, drivers can easily access their entire contract or find the phone number for claims services and roadside assistance.

The CarShield app has relatively strong reviews online. On the Apple Store, drivers give the app an average of 3.7 out of 5.0 stars from over 170 reviews. More than 300 reviewers gave the app an average of 3.8 stars out of 5.0 on Google Play. CarShield reviews mentioning the app consistently note the convenience of having pertinent contract information only a click away.

Are Extended Warranties Worth It?

Some CarShield reviews may have you wondering if extended car warranties are worth it. Our research team conducted a survey in 2021 to help answer that question. We polled 1,000 consumers who had either bought an extended auto warranty or contemplated buying extended coverage. Here are some of the study’s main results:

  • Only 13 percent of respondents said they were dissatisfied with their warranty coverage
  • 41 percent said they were satisfied with their provider
  • 24 percent reported being happy despite never filing a warranty claim

It’s worth noting that CarShield customers made up 38 percent of all consumers surveyed, meaning positive CarShield reviews were common and few thought of it as a ripoff.

What Do Extended Warranties Cover?

While there are certain exclusions to extended auto warranties, motorists typically face no problems having mechanical breakdowns serviced under coverage. Below are our findings on how often drivers received payouts for car repairs under warranty:

Most drivers, as can be seen, easily receive the protection they desire through their extended car warranty. This information matches up nicely with countless CarShield reviews found online.

How Much Does An Extended Warranty Cost?

In our 2021 warranty shopper survey, we asked 1,000 customers about their experiences buying or almost purchasing an extended service plan. Around 41 percent of drivers thought their extended warranty purchase was worth its cost. An additional 24 percent were satisfied with their plan even though they’d never taken advantage of it. Forty-five percent of drivers paid between $1,500 and $2,500 for their coverage plans.

Will I Use an Extended Car Warranty?

The clear majority of motorists end up taking advantage of their extended car warranty. Below are the results of our 2021 study when it asked drivers how often they requested service from CarShield or other vehicle service contract providers.

It’s extremely common for cars to start facing regular issues as they age. You’re liable to see an increase in the number of mechanical breakdowns experienced by your vehicle over time, regardless of how reliable it may currently seem to be.

CarShield Warranty Reviews: Conclusion

In this article, we gave a comprehensive review of CarShield’s services, coverage plans, costs, and company reputation. There was also additional information provided about the company’s repair network, claims process, payment structure, and more. Even though CarShield is a great warranty provider, we urge you to search around and compare options to get the best deal.

Our rating: 4.2 out of 5.0
Our research found this provider to be the most affordable. Plus, it offers monthly plans.

CarShield Competitors: Recommended Extended Warranty Companies

While CarShield is one of our top extended warranty providers and seems to be a solid choice if you’re on a tight budget, it’s always a good idea to get free 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 auto warranty companies to consider as you look at CarShield reviews.

Endurance: Best Coverage

A 2020 Inc. 5000 honoree, Endurance is one of the best extended car warranty providers in the industry. Our Endurance warranty review gives the provider a solid 4.6 stars overall.

The company offers six warranty options, ranging from the exclusionary coverage of the Supreme plan down to the powertrain plan found in the Secure tier. Interestingly, the EnduranceAdvantage™ plan takes care of maintenance costs along with standard warranty coverages.

Endurance Elite Benefits come free with every membership for one year and provide some notable perks, including two tire replacements or repairs and cash assistance for a new car if the one under contract is totaled.

Read more: CarShield vs. Endurance

Our rating: 4.6 out of 5.0
Endurance is our pick for best coverage with its comprehensive warranty options.

 

CARCHEX: Best for Used Cars

Baltimore-based CARCHEX has over 22 years of experience with offering quality extended warranty plans to customers. You’ll find five coverage choices from CARCHEX, with the Titanium plan offering the most car protection and the Bronze plan covering just your vehicle’s powertrain.

Our review team believes that CARCHEX deserves a 4.4-star rating based on the number of strong CARCHEX reviews and arguably the most notable partnerships of any extended warranty provider, with partners such as CARFAX, Edmunds.com, and Kelley Blue Book. CARCHEX is particularly suitable for high-mileage vehicles and other used cars.

Read more: CarShield vs. CARCHEX

Our rating: 4.4 out of 5.0
Our research found this provider to be the best for used cars.

Our Warranty Review Standards

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.

Q & A

Below are some frequently asked questions about CarShield warranties:
Is CarShield worth buying?
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CarShield is generally worth buying. We recognize CarShield for having the Best Value with its relatively low monthly payments. When our review team requested a quote for a 2013 Dodge Caravan with 88,000 miles, we were quoted $78 for 18 months with a powertrain plus plan.
What does CarShield cover?
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CarShield’s Diamond plan is its most comprehensive plan, covering almost every part or system in the vehicle. Other plans only cover particular parts of the vehicle. For example, the Silver extended warranty plan focuses on covering the vehicle’s powertrain.
How much does CarShield cost on average?
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CarShield costs per month vary by plan and vehicle. We received quotes of $129.99 for the high-end Diamond plan and $78 per month for the powertrain-plus Gold plan.
Does CarShield really pay for car repairs?
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CarShield sells several levels of coverage, so it's important to read the fine print of your specific contract to know what repairs the company will handle. Components usually covered by CarShield plans include the engine, transmission, and water pump.
Who Accepts CarShield?
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Repair facilities included in Carshield’s Shield Repair Network accept their coverage plans. These can be found either through their locator tool on shieldrepairnetwork.com or through the CarShield app if you are a member.
Why is CarShield not available in California
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California has extremely unique and restrictive policies around vehicle service contracts. They are meant to protect people, but it typically makes it harder to find coverage for vehicles.
Is CarShield a ripoff?
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No, CarShield is an extremely reputable company that has a 4.0 out of 5.0 star rating from thousands of consumers on trustpilot. To avoid being disappointed by your coverage make sure to read the fine print before you agree to any deals.