CARCHEX has one of the best reputations from experts in the extended auto warranty industry, but CarShield is more popular among customers. We think that both are among the best extended car warranty companies, but how does CarShield vs. CARCHEX compare?
This review will break down each company by coverage, cost, and customer service reputation. If you are considering an extended car warranty, the first step is to compare quotes.
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Table of contents
CarShield vs. CARCHEX Overview
CarShield: Best Value
CarShield is available in every state except California. It has been in business for 16 years and is the most popular vehicle service contract provider in the industry for its low rates and extensive coverage plans.
CARCHEX: Best Service
CARCHEX extended warranties are sold in every state, including California. The company has been in business for 22 years and has partnerships with experts including RepairPal, Edmunds.com, CARFAX, and Kelley Blue Book. It is known for its excellent service.
CarShield vs. CARCHEX: Coverage
CarShield and CARCHEX each offer a number of extended car plans that range from bare bones powertrain warranties to full-coverage protection plans. With CarShield, you can get coverage for up to 200,000 miles, while CARCHEX offers plans up to 250,000 miles.
CarShield Extended Warranty Plans
- Diamond: CarShield’s bumper-to-bumper warranty is similar to a manufacturer’s new car warranty and provides the most comprehensive coverage.
- Platinum: This plan covers your vehicle’s engine, transmission, air conditioning, electrical system, starter, water pump, fuel pump, and more.
- Gold: The Gold plan covers most major and minor vehicle parts, including the engine, transmission, water pump, alternator, starter, air conditioning, and power windows.
- Silver: This powertrain warranty covers all lubricated engine parts, the transmission, and water pump.
- Aluminum: Carshield’s speciality Aluminum plan includes coverage for most electrical and computer components.
- Motorcycle and ATV: CarShield also sells various levels of protection for motorcycles and ATVs.
CARCHEX Extended Warranty Plans
- Titanium: The highest level of CARCHEX coverage, the Titanium plan is an exclusionary warranty, similar to a bumper-to-bumper warranty. Exclusions include upholstery, seat belts, batteries, glass, catalytic converters, body seals and gaskets, and tires.
- Platinum: The Platinum plan covers a number of major systems and components, including the engine, transmission, electrical systems, steering, and more.
- Gold: One step below the Platinum plan, this mid-level coverage protects similar components with the exception of the fuel delivery system and audio center.
- Silver: The Silver plan covers powertrain components as well as the air conditioning, electrical system, fuel system, and seals and gaskets related to covered parts.
- Bronze: A basic powertrain warranty, this plan covers the engine, transmission, cooling system, transfer unit, and drive axle.
CarShield vs. CARCHEX: Exclusionary Warranty Coverage
|Component||CarShield Diamond Plan||CARCHEX Titanium Plan|
*Only original vehicle manufacturer equipped tires or replacement tires of the same size and type are covered.
When trying to choose between CarShield vs. CARCHEX, you will see that the CARCHEX Titanium coverage is slightly more comprehensive. However, CARCHEX doesn’t have a specialty electronics plan like CarShield does.
Comparing Benefits and Add-Ons
In addition to the coverage listed above, both CarShield and CARCHEX offer additional benefits when you purchase an extended auto warranty.
|24/7 roadside assistance||✓||✓|
|Towing service||$75 reimbursement||$100 reimbursement|
|Rental car||Up to $40/day and up to $160 per occurrence||Up to $30/day for 5 days|
The perks are comparable between both companies, with CARCHEX offering a slightly better towing reimbursement and slightly worse rental car reimbursement.
CarShield vs. CARCHEX: Cost
CarShield and CARCHEX both offer competitive rates, but if you’re trying to decide between CarShield vs. CARCHEX, you will probably find a better price with CarShield. We contacted both warranty companies for quotes for the same vehicles, and CarShield had lower plan costs overall.
Exclusionary Warranty Cost
|Vehicle||Coverage Term||Monthly Payment||Down Payment||Deductible|
|CarShield||2017 Ford Explorer||Unlimited||$129.99||$129.99||$100.00|
|CARCHEX||2017 Ford Explorer||5 years/100,000 miles||$202.89 for 18 months||First payment||$100.00|
Powertrain Warranty Cost
|Vehicle||Coverage Term||Monthly Payment||Down Payment||Deductible|
|CarShield||2012 Honda Civic||Unlimited||$129.99||First payment||$100.00|
|CARCHEX||2012 Honda Civic||5 years/150,00 miles||$190.00 for 18 months||First payment||$100.00|
CarShield offers lower initial monthly payments. However, because CarShield monthly payments continue for the duration of your contract, the long-term cost for a CarShield contract can be higher depending on how long you plan on keeping your extended warranty.
A full-coverage CarShield Diamond extended warranty becomes more expensive after 28 months, and that expense gap widens by $129.99 each additional month. This is an important consideration when comparing CarShield vs. CARCHEX.
Keep in mind though that CarShield does offer plans with specified term limits. It just so happens that we were offered unlimited plans on both of the vehicle quotes listed above. Previously, we also asked CarShield for a Gold plan quote for a 2013 Dodge Caravan with 88,000 miles. We were offered a monthly payment of about $78 for 18 months for a four-year contract. This was significantly cheaper than many competitor plans.
Prices for extended warranties can vary based on your vehicle, mileage, and city. These are the quotes provided for particular cars, and your own quotes from CarShield and CARCHEX may differ.
CarShield vs. CARCHEX: Customer Service
|Better Business Bureau (BBB) Accreditation||BBB Score||BBB Customer Rating||Trustpilot Score|
CARCHEX has a better industry standing overall. The difference is most dramatically highlighted by each company’s BBB score. While CarShield does have a low BBB score, this score may not necessarily be indicative of the customer service quality of the company.
Keep in mind that while there may be a high volume of complaints, CarShield services an extremely large number of service contracts. Take time to analyze the reviews for yourself before making a final decision.
Final Thoughts on CarShield and CARCHEX
CarShield and CARCHEX are two of the best extended warranty companies in the industry. Each is a well-rounded choice, but we think CarShield especially excels in price and CARCHEX excels in service.
We recommend getting quotes from both providers so you can compare CarShield vs. CARCHEX coverage for yourself.
Other Top Recommendations for Extended Car Warranties
There is no one best car warranty company for everyone. Anytime you shop for extended protection, we recommend getting quotes from a few different providers. Here are two of our other top choices: Endurance and Protect My Car.
Endurance: Best Coverage
When we reviewed the most popular extended warranty companies nationwide, Endurance had the highest overall score. We like Endurance because it provides some of the best coverage. We also found in our Endurance warranty review that the company has a strong customer service reputation, with a 3.8-star customer rating on the BBB and a 4.3-star Trustpilot score.
See how Endurance compares to CARCHEX in our Endurance vs. CARCHEX review. To find out how much you would pay for an Endurance extended warranty, get a free quote for your vehicle.
Endurance is our pick for best direct provider with its comprehensive coverage options.
Protect My Car: Best Long-Term Financing
If your goal is to secure a low monthly rate, consider Protect My Car. The company offers financing options that extend as long as 48 months. While this may result in an overall higher cost, it can be a good option for those with a low monthly budget. Protect My Car sells three levels of coverage for vehicles up to 125,000 miles.
Protect My Car is not rated by the BBB, but it holds a nearly 5.0-star customer review rating. Customers who score Protect My Car highly cite friendly service representatives and high-quality customer care.
Learn more about coverage in our in-depth Protect My Car review. Then, get a free, personalized quote.