CNA National Pros And Cons
If you’re looking into extended car warranty companies, you may have come across CNA National Warranty services. The company is a nationwide seller of vehicle service contracts, which help you pay for unexpected car repairs after your factory warranty expires.
This review will explain CNA National Warranty services, costs, and reviews and the company’s reputation. We’ll compare it with two other third-party providers, CarShield and Endurance, both of which ranked well in our best extended car warranty review.
CNA National Warranty Review: 4.0 Stars
CNA National Warranty services are worth considering if you’re looking for an extended warranty. Its protection plans are comprehensive, and it has excellent industry and customer service ratings overall. The company does not provide customers with coverage costs, as this depends on the dealership where a warranty is purchased.
Overall Star Rating
About CNA National Warranty
Established in 1982, CNA National Warranty is headquartered in Scottsdale, Arizona. The independent extended auto warranty company is backed by CNA Financial, one of the oldest and largest insurance companies in the U.S.
CNA National Warranty services include five warranty plan options and various other products for drivers, including Guaranteed Asset Protection (GAP) waivers and tire and wheel protection.
CNA National Warranty holds an A+ rating from the Better Business Bureau (BBB). The warranty provider has also been named one of the top providers for 16 years straight in Auto Dealer Today’s Dealers’ Choice Awards. CNA National Warranty claims that it has paid more than $4 billion for customer repairs.
How Much Does A CNA National Warranty Contract Cost?
CNA National Warranty service costs are not listed online. Pricing depends on factors such as your vehicle type and coverage length and the dealership you purchase coverage through. Additional factors that can impact costs include your location and deductible.
One of the advantages of purchasing a vehicle service contract from the dealer is that you can roll the cost into your auto loan, creating one monthly payment. Note that the total cost of your extended warranty would increase as you would end up paying interest on it.
CNA National Warranty Extended Car Warranty Coverage
CNA National Warranty offers three levels of coverage for drivers of new vehicles and five for drivers of used vehicles. Depending on your needs and driving habits, you should be able to find coverage that works for you.
New, near-new, and used vehicles qualify for these three plans:
- Automotive Preferred Care℠: CNA National Warranty’s exclusionary plan covers all parts, systems, and components of your vehicle, except for a short list of exclusions. This coverage is available on most vehicles with up to 125,000 miles at the time of sale.
- Mechanical Advantage Care℠: This plan provides the highest level of stated-component coverage offered by CNA National Warranty. Your vehicle’s major components are covered, in addition to powertrain electronics, convenience accessories, vehicle hardware, and antilock brakes. This contract is offered for most vehicles with up to 125,000 miles at the time of sale.
- Vehicle Value Care℠: This option offers stated-component coverage for essential parts of your vehicle, including the suspension, fuel system, front-wheel steering, electrical system, braking, cooling system, and air conditioning. This plan is available for most vehicles with up to 150,000 miles at the time of sale.
Used vehicles qualify for these two plans:
- Certified+Plus Care℠: CNA National Warranty offers an exclusive vehicle service contract for cars that have been inspected and certified by the selling dealer and issued an extended limited powertrain warranty. It has two levels of coverage, Preferred and Advantage, and extends coverage for basic powertrain parts beyond the expiration of the factory warranty.
- Powertrain Advantage Care℠: This CNA warranty offers basic powertrain protection for the engine, transmission, and drivetrain assembly components. It’s available for most cars with up to 150,000 miles at the time of sale.
All terms and conditions, limits of liability, and exclusions depend upon the dealer you choose. If you’re unhappy with your warranty contract, you should reach out to the dealership to find out its cancellation policy.
Additional Benefits Of A CNA National Warranty Service Plan
Additional benefits come with a CNA National Warranty services contract, including:
- Roadside assistance
- Rental car reimbursement
- Travel and lodging reimbursement
You can find the specific terms and conditions of these benefits in your coverage plan.
How Does CNA National Warranty Coverage Work?
CNA National Warranty services are not sold directly to drivers. Instead, you have to purchase a vehicle service contract through a dealership. If you have questions about CNA National Warranty service plans, you should reach out to the customer service team at 800-345-0191.
If your car breaks down and you need to use your extended warranty coverage, you can take your vehicle to your selling dealership or any licensed repair facility. Most repair shops will submit claims on behalf of customers for processing once the problem is diagnosed.
CNA National Warranty also offers these warranty products to give drivers peace of mind:
- Guaranteed Asset Protection (GAP)
- Tire and wheel protection
- Certified warranty
- Lifetime limited powertrain warranty and wrap
CNA National Warranty Reviews
CNA National Warranty service reviews are very positive. Over 400 reviews on Google give the company an average score of 4.0 out of 5.0 stars. Similarly, the company has a 3.8 out of 5-star customer rating from the BBB, backed by over 110 reviews.
Positive customer reviews highlight the company’s easy claims process and helpful customer service representatives, while customer complaints discuss denied claims and contract issues.
Here are positive and negative reviews about CNA National Warranty services:
Positive CNA National Warranty Reviews
“[I was] very happy with the response to my issues with my truck. [I] was taken care of in a timely and professional manner from rental to repairs. Held up to 100% of [the] contract, [I] am very satisfied with the purchase of [the] warranty.”
– John via Google Reviews
“The dealership wasn’t any help, so I contacted CNA directly and they took care of everything. I am glad I got the warranty.”
– Naomie H. via BBB
Negative CNA National Warranty Reviews
“We purchased a Volkswagen Passat with the preferred care plus package. [I] maintained the car according to the manufacturer. The warranty company is refusing to cover repairs. The only real recourse is to file a lawsuit, which will likely cost more than the repairs are worth.”
– Brian B. via BBB
“This company ripped me off big time, they only paid $150 of the $1,200 left on my account after my total loss! They conned me 100%. Do not use this company, they are crooks!”
– Stacey B. via BBB
Even if you think CNA National Warranty’s services are the perfect fit for you, you should still shop around and get quotes from multiple service contract providers. Read on to find out more about our top recommended providers.
Top Recommendations For Extended Car Warranties
With CNA National Warranty, vehicle service contracts are purchased from select agents and dealerships. We recommend reaching out to multiple extended warranty providers to compare services and pricing. Read on to see why we named CarShield and Endurance two of the top providers in our best extended auto warranty review.
CarShield: Best Monthly Payments
CarShield is a reputable extended car warranty company offering six plans, the longest of which can cover vehicles with up to 300,000 miles. Based on the quotes we received, CarShield is one of the lowest-cost warranty providers. The company’s estimate for its Diamond plan for a 2018 Honda Civic with 30,000 miles was $1,708.03 for a 5-year/70,000-mile warranty.
CarShield reviews are generally positive across review websites. The company holds a 4.1-star rating out of 5.0 with more than 7,500 Google reviews. Similarly, CarShield has a 4.0 rating out of 5.0 on Trustpilot with over 22,000 reviews.
Read our complete CarShield review to learn more.
Endurance: Best Coverage
Unlike most extended warranty companies, Endurance provides vehicle service contracts directly to consumers. The company is accredited by the Vehicle Protection Association and known for its top-notch customer service.
Endurance offers six levels of coverage for automobiles. Five of the extended warranties have varying levels of coverage to protect against mechanical breakdowns. The last Endurance plan combines an extended auto warranty and a maintenance contract.
In addition to Endurance’s comprehensive warranty options, it offers drivers a free year of Endurance Elite Benefits, with perks including key fob replacement, reimbursement for tire repairs or replacements, and roadside assistance.
Learn more about the company’s extended warranty coverage in our Endurance review.
Frequently Asked Questions
How We Rate
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.