We give CarShield 4.2 stars and name it the Best Value provider. While CarShield customer service ratings aren’t the highest, drivers usually receive expansive coverage at reasonable rates.
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.
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.
Table of contents
CarShield Review: 4.2 Stars
CarShield Company Overview
Headquarters: St. Peters, Missouri
Availability: All states except California
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 reviews are solid, as seen by the company’s 4.0-star average score out of 5.0 from over 28,000 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.
CarShield Warranty Costs
One of the main reasons for CarShield’s popularity is its low prices, according to numerous CarShield reviews. 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-year/48,000-mile version of the Gold Plan. That contract costs $78 per month for 18 months, totaling $1,654.
|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.
What Factors Affect Warranty Costs?
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.
Does CarShield Have a 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.
Although CarShield’s plans are often called extended warranties, they’re technically vehicle service contracts. That’s because only an automaker can offer a true extended warranty. CarShield reviews show that the company sells warranty coverage comparable to other top-rated providers.
|CarShield Coverage Plan||Warranty Overview|
|Diamond plan||CarShield’s highest level of coverage available, similar to a bumper-to-bumper warranty|
|Platinum plan||Covers most components from all major vehicle systems, but leaves out minor individual parts|
|Gold plan||Fully takes care of the powertrain while adding on a few additional vehicle components|
|Silver plan||Provides coverage for only the critical systems of your vehicle for the cheapest rate|
|Aluminum plan||Thoroughly covers electrical systems and computer-related parts found inside your car|
|Motorcycle & ATV plan||Offers protection for nonstandard vehicle types such as motorcycles and ATVs|
Most cars can find exceptional coverage through CarShield. We’ll list out the specifics of each plan in the section below.
Breakdown of Each CarShield Warranty Plan
Listed below is an overview of what each CarShield extended warranty plan covers. If you’re wondering about a more specific part, reach out to CarShield or look through one of the company’s sample contracts.
|Diamond||Platinum||Gold||Silver||Aluminum||Motorcycle & ATV|
|Fuel Delivery System||✓||✓||✓||✓|
CarShield reviews show that customers tend to be satisfied with all six of the company’s plans. Whether you choose the Diamond plan’s exclusionary coverage or opt for the tightly focused Silver or Aluminum plans, expect quality service from CarShield.
What Benefits Come With a CarShield Warranty?
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.
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.
Do Extended Warranties Actually Cover Repairs?
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.
Does CarShield Cover Brakes?
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 28,000 reviews, showing that it’s reputable in an industry with far too many scams. CarShield reviews on Google give the company a 4.5-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 rated the warranty provider.
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
Negative CarShield Reviews
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 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
How Do I Cancel CarShield?
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.
CarShield Mobile 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 3.8 out of 5.0 stars from over 160 reviews. More than 230 reviewers gave the app an average of 3.5 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.
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.
How Do I Get a Quote from CarShield?
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.
How Do I File a Claim With CarShield?
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 Length
Each CarShield warranty comes with a 20-day/500-mile 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.
Are Extended Car 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.
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.
How Much Do Extended Warranties 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.
Other Best Extended Car 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
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 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.