CARCHEX will show up in any online search for extended car warranties, but is the company a good choice for a warranty plan? Our CARCHEX review offers a look at CARCHEX coverage, pricing, customer experience, and reputation.

We’ve reviewed a number of the best extended car warranty companies so drivers can make sense of the market. Getting quotes from top providers allows you to compare coverage and find the best plan for you. 

In This Review:

    What Makes CARCHEX Unique?

    CARCHEX offers vehicle service contracts, which are commonly called extended warranties. The extended warranty provider sells plans administered by other highly rated companies, including American Auto Shield and Royal Administration Services. This translates into more contract choices for drivers.

    CARCHEX has been in business for 22 years, which is a long time for a car warranty company. In fact, CARCHEX has been around for six years longer than most other leading providers, so drivers can be confident that it is an established and reliable company.

    While some providers don’t sell plans in California, CARCHEX is one of the few providers available in every state. All CARCHEX plans allow customers to take their vehicles to any repair shop certified by the National Institute for Automotive Service Excellence (ASE®) for car repairs.

    CARCHEX Pros

    CARCHEX Cons

    Choose any ASE-Certified® repair shop

    Not every car is eligible for coverage

    Coverage available up to 250,000 miles

    Hybrids cost extra

    Five plans to choose from

    Pays repair facility directly

    24/7 roadside assistance

    CARCHEX maintains an A+ rating and accreditation from the Better Business Bureau (BBB). It’s also endorsed by industry leaders like Kelley Blue Book, Edmunds.com, CARFAX, and RepairPal. We chose CARCHEX as the best option for older vehicles since it covers cars up to 250,000 miles.

    How Much Does A CARCHEX Warranty Cost?

    In our CARCHEX review, we found the company is generally affordable compared to other providers. We found quotes ranging from $107 to $154 per month and total costs ranging from $2,400 to $3,700. However, prices are influenced by many things, including your car’s make, model, year, and mileage.

    It’s important to know that you’ll probably find different prices than these when you get an extended warranty quote. You may find cheaper prices if you choose a shorter time limit or a lower plan than the ones below. However, you can expect to pay more for an extended warranty if your car has below-average reliability ratings.

    Vehicle

    CARCHEX Plan

    Term Length

    Monthly Payment

    Down Payment

    Deductible

    Honda Civic

    Titanium plan

    (highest

    coverage level)

    7 years/

    125,000 miles

    $107

    for 24 months

    First payment

    $100

    Subaru Outback

    Platinum plan

    5 years/

    60,000 miles

    $154

    for 24 months

    First payment

    $100

    Subaru Outback

    Silver plan

    6 years/

    60,000 miles

    $108

    for 24 months

    First payment

    $100

    CARCHEX Extended Car Warranty Coverage

    CARCHEX offers a wide range of options, from basic coverage to coverage that is similar to your car’s factory warranty. Depending on your vehicle, these plans can cover up to 250,000 miles on cars up to 20 years old. This also makes it the best extended warranty for cars over 100k miles.

    Here’s an overview of the coverage options offered by CARCHEX:

    CARCHEX

    Warranty Plan

    Coverage Description

    Titanium

    The highest level of coverage from CARCHEX is similar to a manufacturer’s warranty. As an exclusionary warranty, it covers almost any mechanical or electrical component on the car.

    Platinum

    This plan is the most comprehensive component coverage contract. It covers parts on 15 systems, including the engine, brakes, suspension, electronic high-tech, turbocharger, and audio.

    Gold

    This mid-tier plan covers parts on 13 major vehicle systems and is a good option for higher-mileage cars.

    Silver

    This plan covers the powertrain (engine, transmission, and drive axle), plus the cooling system, transfer unit, fuel system, air conditioning, electrical system, and related seals and gaskets.

    Bronze

    This powertrain warranty covers the engine, transmission, and drive axle, plus the cooling system, transfer unit, and related seals and gaskets.

    These are the main types of coverage, but there are multiple contracts within each coverage level. Each contract lists the specific parts covered (or excluded, in the case of the highest plan). For example, the Platinum plan covers dozens of electrical components, including the alternator, turn signal switches, control modules, gauges, wiper motors, seat motors, window motors, and more. 

    There are also different ways you can modify a contract. For example, many plans have an option to add coverage for a higher repair shop labor rate. Other add-ons include the luxury electronics package, key guard package, and emissions package.

    CARCHEX Review: Excluded Parts

    Just because a part is listed as covered on the contract doesn’t mean CARCHEX will pay for the repair under all circumstances. Here are a few exclusions common to all CARCHEX warranties:

    • Damage from lack of maintenance
    • Damage from misuse
    • Modified parts
    • Expensive repairs (over $250) made without prior authorization
    • Damage from accidents, the environment, or vandalism
    • Recalls and technical service bulletins
    • When a non-covered part damages a covered part (and vice versa)
    • Normal wear and tear
    • Degradation without actual failure
    • Wear items like brake pads and wiper blades

    That might look like a lot, but there are more exclusions on the contract. It’s important to read the entire contract so that you’re clear on what’s covered. If you didn’t get a chance to read it before purchasing the plan, take CARCHEX’s 30-day money-back guarantee period to review it.

    It’s also important that you keep up on scheduled maintenance. You might have to present oil change and service records when you go in for a repair, and CARCHEX can deny a claim if you haven’t been taking care of your car.

    CARCHEX Review: Warranty Perks

    CARCHEX plans come with several perks, including:

    Plan Benefit

    What It Does

    Roadside assistance

    CARCHEX covers $75 per occurrence for towing, lockout service, spare tire installation, jump-starts, fuel delivery, and winching. There’s a maximum limit of $400 for the life of the contract.

    Rental car reimbursement

    CARCHEX will reimburse you up to $40 per day for four days in the case of a covered breakdown. Some contracts say $35 for five days.

    Trip interruption reimbursement

    If you’re over 100 miles from home and experience a breakdown, CARCHEX will reimburse you up to $50 per day for three days to cover food and lodging.

    Since CARCHEX offers multiple contracts through different providers, the terms for these perks may differ slightly between contracts.

    How CARCHEX Extended Warranties Work

    Getting a quote from CARCHEX is easy and quick. The company offers instant quotes, though in reality they are only instant during business hours. When our review team called CARCHEX for the extended vehicle protection plan quotes listed above, our team member was only on hold for about a minute, and the entire process took about 10 minutes.

    Claims are also easy. CARCHEX pays repair costs directly to the shop, though you might have to authorize a diagnosis before any work can be done. CARCHEX won’t pay for the diagnosis if the repair falls outside of warranty coverage.

    How To Cancel Your CARCHEX Warranty

    All of CARCHEX’s extended auto warranties come with a 30-day money-back guarantee. You can cancel at any point within those 30 days for a full refund. After that point, you can cancel for a prorated refund.

    If you sell your car, you can transfer your contract to the new owner for $50.

    CARCHEX Reviews

    There are over 1,400 CARCHEX customer reviews on Trustpilot that give the company a 3.2-star rating. CARCHEX reviews with the BBB give the company a lower rating of 2.1 stars, but it has relatively fewer complaints on the BBB compared to some other providers. Read a few examples of positive and negative CARCHEX reviews here.

    Positive CARCHEX Reviews

    Happy customers praise CARCHEX customer service and helpful CARCHEX representatives.

    “Great prices and great customer service! Would recommend it to anyone looking for [an] extended warranty on their vehicle.”

    – Horacio S., BBB

    “I had heard horror stories of trying to utilize warranties when needed, but this was far beyond my greatest expectations. The phone representative I spoke to was very kind and personable as well, and the turnaround was so quick.”

    – Andrew R., BBB

    Negative CARCHEX Reviews

    Some customers have complained about denied claims. However, the volume of such complaints is low.

    “I pay $170+ a month and have had my truck in the shop twice since I’ve had the policy. They denied the first claim that my mechanic put in, and the second claim my mechanic also put in they denied covering 95 percent.”

    – Eric A., BBB

    “The whole entire day the phone lines are busy… It’s my second day trying to reach the claims phone… The worst experience ever.”

    – Urge E., BBB

    Bottom Line On CARCHEX: 4.3 Stars

    Considering the company’s reputation, coverage options, prices, and customer experience, our team of experts recognizes CARCHEX as one of the best extended car warranty options out there. After a thorough CARCHEX review, we awarded the company the designation of Best for Used Cars because it covers vehicles up to 250,000 miles.

    Reputation

    5.0

    Coverage

    4.6

    Price

    4.3

    Customer Experience

    3.2

    Overall Rating

    4.3

    Top Recommendations For Extended Car Warranties

    Like anything you shop for, it’s always smart to compare free quotes from a few options. In our comprehensive research into the most reputable extended car warranty companies on the market, we also found Endurance and CarShield to be good choices. 

    Company

    Maximum Mileage

    Number Of Plans

    Trustpilot Score

    Endurance

    200,000 miles

    6

    4.4 / 5.0

    CARCHEX

    250,000 miles

    5

    3.2 / 5.0

    CarShield

    200,000 miles

    6

    4.0 / 5.0

    Protect My Car

    125,000 miles

    3

    4.6 / 5.0

    Autopom!

    150,000 miles

    4

    4.0 / 5.0

    Endurance: 4.6 Stars

    As a direct warranty provider, Endurance administers and manages all the plans it sells. This means drivers work with the same customer service and claims team for the entire length of their warranty plan. Endurance has been around for 15 years, and it offers a range of perks in addition to six types of coverage. Drivers get one year free of Endurance Elite Benefits, which includes perks like a $500 collision discount and tire repair or replacement. 

    You can read more about the company in our Endurance warranty review.

    CarShield: 4.2 Stars

    CarShield is another reputable extended car warranty provider, and many drivers find affordable coverage through the company. In our research, CarShield quoted the cheapest prices. The company has been around for 16 years and offers six coverage plans. CarShield has a 4.0-star rating out of 5.0 from over 22,000 customers on Trustpilot, and it’s the most popular third-party provider on the market.

    You can learn more about the extended warranty provider in our CarShield review.

    Frequently Asked Questions

    • Is CARCHEX legitimate?

      Yes, CARCHEX is a legitimate extended warranty provider and has a BBB rating of A+. It offers a range of plans, from exclusionary warranties to powertrain coverage. Plus, it’s a great option for high-mileage vehicles since it covers cars up to 250,000 miles.

    • Is CARCHEX the same as CarShield?

      CARCHEX and CarShield are two different extended warranty companies. CarShield covers vehicles up to 200,000 miles, while CARCHEX covers vehicles up to 250,000. CarShield offers six plans and CARCHEX offers five plans.

    • Are CARCHEX warranties worth it?

      CARCHEX warranties can be worth it if you want peace of mind that a variety of repairs are covered. An extended warranty can also be worth it if you don’t have a large savings account or credit line to use for car repairs. However, if you do have a good savings account, an extended warranty might not be worth it.

    • How much does CARCHEX cost per month?
      • According to the quotes we received, CARCHEX plans cost between $107 and $155 per month for 24 months. The total cost of these quotes ranged from $2,400 to $3,700. What you pay for an extended warranty plan depends on the level of coverage you want.
    • Should I get an extended warranty from the dealership?

      Whether you buy a new car or a preowned vehicle, the dealership will probably try to sell you an extended warranty. Dealership warranties tend to be more expensive than third-party options, and they require you to visit a dealer for repairs. The plus side is that the plan covers OEM parts and factory-trained technicians. It’s up to you to decide which type offers better value for your situation.

    • What is the CARCHEX claims number?

      The number you will call to file a claim for your CARCHEX extended warranty depends on the claims administrator. If you’re unsure who the administrator is, you can speak to a CARCHEX representative by calling 1-877-227-2439. 

    How We Rate Warranty Providers

    Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
    • Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
    • Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) score well in this category. Established providers with a long history of reliable service also receive positive marks.
    • Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.