When the manufacturer’s warranty on your vehicle runs out, you might turn to extended warranty coverage for peace of mind. While there are numerous options drivers can choose from, one that you may be considering is a Fidelity car warranty.

But with so many extended car warranty providers out there, is Fidelity Warranty Services Inc. (FWS) the best option for you? In this article, we review Fidelity car warranties based on cost, coverage plans, and customer reviews. Then, we give you a quick rundown of the best extended car warranty companies in the industry to see how Fidelity car warranties compare.

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In This Review:

    About Fidelity Warranty Services Inc.

    A provider of warranty products and services for over 40 years, Fidelity Warranty Services Inc., based in Deerfield Beach, Florida, offers vehicle protection plans at dealerships nationwide. Drivers can choose a Fidelity car warranty from two extended service options broken down into a total of five coverage levels. 

    FWS–which covers repairs at more than 6,000 participating repair shops nationwide–says it paid out more than $525 million in claims in 2019 alone.

    Fidelity Warranty Services Pros

    Fidelity Warranty Services Cons

    Comprehensive coverage options

    Only up to 120,000 miles of coverage

    Rating of A from the Better Business Bureau (BBB)

    Coverage plans only sold at dealerships

    How Much Does A Fidelity Warranty Cost?

    Fidelity Warranty Services does not provide cost information on its website. However, we found a potential FWS customer on Reddit who, in 2018, reported receiving a dealer quote of $2,284 with a $250 deductible for a 4-year/48,000-mile Platinum plan for a 2015 Toyota Rav4 with about 66,000 miles.

    Compared with other extended warranty companies, that’s on the expensive side, but Fidelity car warranty pricing is influenced by a host of factors. These include:

    • The type of car you drive 
    • The age and mileage of your vehicle
    • Your location 
    • The coverage plan you choose
    • Your deductible ($0, $50, $100, or $250 per repair visit)

    Fidelity car warranties are also subject to dealer markups since they are sold through participating dealerships only.

    Fidelity Car Warranty Coverage

    Drivers can choose from five levels of Fidelity car warranty coverage. The company breaks the coverage levels into two groups: the Fidelity Vehicle Service Contract for newer vehicles and the High-Mileage Vehicle Service Contract.

    Fidelity Vehicle Service Contract

    The Vehicle Service Contract includes three Fidelity car warranty options. These vehicle protection plans are designed for newer cars and offer up to 120,000 miles of coverage depending on the age and mileage of your car.

    Fidelity Car Warranty

    Details

    Platinum Plan

    Bumper-to-bumper coverage with a few exclusions

    Gold Plan

    Comprehensive powertrain coverage for the engine, cooling,
    transmission, drive axle, steering, electrical, air conditioning,
    front/rear suspension, and braking system

    Powertrain Plan

    Basic powertrain coverage to protect your car’s major systems,

    including the engine, transmission, and drive axle

    Fidelity High-Mileage Vehicle Service Contract 

    The High-Mileage Vehicle Service Contract is a Fidelity car warranty for older cars and used vehicles. It begins on the purchase date and expires according to the term or mileage selected, whichever comes first. The vehicle service plan covers up to 48,000 miles of protection and features two coverage levels.

    Fidelity Car Warranty

    Details

    Owner Select Coverage

    Comprehensive powertrain coverage for your vehicle’s engine, transmission,

    drivetrain, steering, air conditioning, and brake systems

    Drivetrain Plus Coverage

    Basic powertrain coverage with covered repairs for the engine, transmission,

    transaxle, drive axle, and transfer case

    Other Fidelity Plans 

    Along with traditional car warranties, FWS offers the following types of coverage, which are less comprehensive and more specialized:

    • Road Hazard Tire and Wheel: Repairs or replaces tires damaged by road hazards, road surface conditions, and road debris
    • Road Hazard Tire and Wheel Bundle: Comes in four levels of coverage that can protect your vehicle’s interior and exterior
    • Term Care Select: Protects your new car for items not covered under a manufacturer’s warranty
    • Car Care Service Plan: Features valuable maintenance services such as lube, filter and oil changes, cleaning and adjusting brakes, a multipoint vehicle inspection, and tire rotation
    • Theft Deterrent System: Helps protect your car from thieves 

    Fidelity Car Warranty Benefits 

    All Fidelity car warranties come with additional features, including: 

    • Towing reimbursement: Reimbursement of up to $100 in towing charges after a covered mechanical breakdown
    • Alternate transportation coverage: Reimbursement of up to $40 per day for up to 10 days for public transportation, rental cars, or rideshare services after a covered mechanical breakdown
    • Travel coverage: Reimbursement of up to $100 per day and up to $500 per occurrence for food and lodging if your vehicle breaks down more than 100 miles away from home
    • Fluids coverage: Replacement of necessary fluids, oils, greases, lubricants, and approved air conditioner gases needed after a covered repair
    • Financing: Plan cost can be included in the financing of your vehicle

    How Does A Fidelity Car Warranty Work?

    FWS partners with more than 3,800 U.S. dealerships, which sell its vehicle service contracts. Fidelity car warranty costs will vary depending on the dealer, so cost information isn’t directly available to consumers. For a Fidelity car warranty quote, you can contact a participating dealership in your area. 

    If your car breaks down, Fidelity recommends bringing your vehicle to your selling dealership for repairs. If this isn’t possible, the company suggests contacting the customer service number found on your contract to find a participating repair facility. 

    Once repairs are made, Fidelity will pay the service center directly. You’ll only have to pay the deductible that you selected when choosing your coverage plan. 

    If you’re unsatisfied with your Fidelity car warranty, you can contact your dealership to find out about cancellation options. If you choose to sell your car while it’s still under warranty, your coverage is transferable to the new owner. Your vehicle service contract should include exact details about the transfer process and any applicable fees.

    Fidelity Warranty Services Reviews

    FWS has largely positive reviews. The company holds an A rating and accreditation with 3.44 out of 5 stars from the BBB, which shows that the provider knows how to handle and respond to customer complaints effectively.

    Our team looked at customer reviews submitted on the BBB website to get an overall view of Fidelity’s customer service experience. Positive customer reviews highlight customer service representatives’ knowledge of the claims process. Negative customer reviews highlight issues with denied claims that purportedly should have been covered under a Fidelity car warranty.

    Positive and negative reviews are to be expected when it comes to customer feedback. To avoid any surprises, be sure to understand the ins and outs of your contract before signing on the dotted line.

    Positive Fidelity Warranty Services Reviews

    “I recently purchased a 2021 Jeep Grand Cherokee … and called to ask questions as to all the details of the warranty. I was very impressed with the information and response that I received from the representative. Totally awesome!”
    – Ronald D. via BBB

    “Service was easy, which is a plus. Everything was amazing.”
    – Victoria F. via BBB

    Negative Fidelity Warranty Services Reviews

    “Fidelity Warranty held up the repairs on my car for days, insisting on requiring their own inspector to ‘approve’ the repairs. The problem (power steering pump) was obvious. Clearly Fidelity is doing this to bully and inconvenience the dealer and me, the customer, while trying to avoid backing their warranty.”
    – Douglas C. via BBB

    “Awful, refuses to fix my car correctly even after [the] service provider informed them their fix would not hold and will fail soon, but they refuse to fix as my warranty is up in September. Criminal.”
    – Adrianna A. via BBB

    The Bottom Line On Fidelity: 4.0 Stars

    A Fidelity car warranty is an excellent extended warranty option if you’re looking for comprehensive coverage and nice perks. The company has a solid reputation among industry experts and drivers and is backed by a reputable insurance company.

    While Fidelity’s vehicle protection services are superior to some competitors and well above average, you may find more flexible coverage and better mileage options by looking elsewhere. Here’s a breakdown of how we rate Fidelity car warranties in several categories:

    Reputation

    4.0

    Coverage

    4.0

    Price

    4.0

    Customer Experience

    4.0

    Overall Rating

    4.0

    Top Recommendations For Extended Car Warranties

    Before you commit to an extended car warranty, it’s a good idea to shop around and get multiple quotes to compare your options.

    Our team thoroughly reviewed every major extended auto warranty provider in the industry by looking over plan options, costs, customer reviews, and more. From this, we recommend drivers consider Endurance and CARCHEX, both of which are featured in our review of reputable extended car warranty companies and our review of the top extended warranties for cars over 100,000 miles.

    Endurance: Best Coverage (5.0 Stars)

    Unlike most warranty providers, Endurance creates and backs its plans. This means no other administrators are involved. The company offers six levels of service that can last up to 200,000 miles: 

    • Supreme: Exclusionary bumper-to-bumper coverage 
    • Superior: Covers hundreds of parts for most major systems 
    • Secure Plus: Mid-level option with the shortest waiting period for coverage
    • Secure: Covers the basic powertrain components, such as the engine, transmission, and drivetrain
    • Select Premier: Designed for drivers with up to 150,000 miles on their vehicles
    • EnduranceAdvantage™: Extensive component and maintenance coverage

    The warranty company also provides extra perks to new customers by enrolling them in one year of free Endurance Elite Benefits when they sign up for any Endurance vehicle protection plan. Key features include 24/7 roadside assistance, key fob replacement, and tire repairs and replacements.

    CARCHEX: Best For Used Cars (5.0 Stars) 

    In business for more than 20 years, CARCHEX is one of the most respected warranty providers in the nation. The company has thousands of positive reviews and partners with companies such as CARFAX and Kelley Blue Book.

    CARCHEX offers five coverage levels extending as high as 250,000 miles: 

    • Titanium: Exclusionary coverage, similar to a bumper-to-bumper warranty
    • Platinum: Highest stated-component coverage for hundreds of parts
    • Gold: Mid-tier coverage targeted to higher-mileage vehicles
    • Silver: Powertrain coverage
    • Bronze: Basic powertrain coverage

    Plans also come with roadside assistance, rental car reimbursement, and trip interruption coverage. CARCHEX is only one of two providers on our list that offer full extended warranty coverage in California.

    Frequently Asked Questions: Fidelity Car Warranty

    • Is Fidelity Warranty Services good?

      Fidelity Warranty Services Inc. holds accreditation and an A rating from the BBB with 3.42 stars out of 5 from customer reviews. Most drivers say their experience with the claims process has been easy and hassle-free.

    • How do I get a Fidelity warranty?

      You can purchase a Fidelity car warranty at over 3,800 dealerships nationwide.

    • Who has the best extended car warranty?

      We named Endurance, CARCHEX, CarShield, Protect My Car, and autopom! as the best extended car warranty companies based on reputation, coverage, cost, and customer experience. However, the best warranty provider for you will depend on your unique needs.

    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.

    *Data accurate at time of publication.