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CarShield Reviews: Is A CarShield Extended Warranty Worth It?

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Car driving down the road
CarShield Extended Warranty Review
In Our Opinion:
In its 15 years of business, CarShield has covered over 1 million vehicles and paid out over $1 billion in claims. What makes CarShield such a popular provider? We think it's because of the company's below-average prices and flexible month-to-month plans.
Industry Standing
Coverage
Affordability
Customer Service
Pros
Six plans available, including those for high-tech features and speciality ATVs
Covers some vehicles up to 200,000 miles
Over 4-star ratings with thousands of customer reviews on Google and Trustpilot
Cons
Low rating and warning of complains from the Better Business Bureau (BBB)
Not all contracts transferable
Rental car reimbursement not always included
4.5
Best Prices

Every new vehicle comes with a factory warranty that covers breakdowns for at least the first few years of the car’s life. But what happens when that coverage runs out?

A CarShield extended auto warranty can give you peace of mind through your vehicle’s golden years, when the most severe – and most expensive – repairs are typically needed.

CarShield offers drivers flexible plans and payment options, including month-to-month contracts, adaptable payment plans, and a range of deductibles. That’s why, in our review of the best extended auto warranty companies, we awarded CarShield with the title “Best Prices”.

Below, we explain factors like coverage options, costs, and customer reviews to help you determine whether a CarShield extended warranty service may be a good choice for your vehicle. To see how much a CarShield plan will cost, get a free quote.

Best Prices

black starblack starblack starblack starblack half star 5 1

logo carshield

Get Quote

(800) 563-2761

Our research found this provider to be the most affordable. Plus, it offers monthly plans. 

CarShield Warranty Highlights

CarShield was founded in 2005 and is based in Saint Peters, Missouri. The provider is technically a vehicle service contract broker, meaning it offers protection plans administered by other companies, called obligators. This setup gives drivers a wider variety of coverage options and price points.

If you have a CarShield vehicle service contract, covered repairs can be made at any dealership or ASE-Certified® facility. This makes finding an eligible mechanic easy, which is important if you have a breakdown far from home. Emergency roadside assistance, rental car coverage, and courtesy towing are included with most warranty plans, as well, to help cover the costs to get you to the nearest repair facility.

CarShield contracts can be canceled at any time.

CarShield Extended Warranty Coverage Overview

CarShield offers six different coverage plans:

Plan Name Details
Diamond Comparable to a new car manufacturer’s warranty, CarShield Diamond coverage is an exclusionary plan. This means all systems and components of your vehicle are included, except for a short list of non-covered parts.
Platinum Good for high-mileage vehicles or used cars, this plan covers certain parts of your vehicle’s engine, transmission, cooling system, air conditioning, steering, brakes, electrical components, fuel pump, and more. CarShield Platinum is stated-component coverage, meaning each specific covered part of these systems is listed in the vehicle service contract.
Gold As CarShield’s enhanced powertrain coverage, the Gold plan focuses on common powertrain components like your engine, transmission, and drivetrain, but also includes parts like the alternator, power window motors, and starter.
Silver The Silver plan is CarShield’s most basic (and most affordable) powertrain coverage option. It covers only the most important parts of your vehicle, including your engine, transmission, water pump, and drive axle.
Aluminum This plan covers most computer-related and electrical components, including power seat control, sensors, cruise control, electronic gauges, and LCD screens.
Motorcycle & ATV If you have a motorcycle or all-terrain vehicle that needs coverage, CarShield offers distinct plans for each vehicle.

Exclusions

Even the most comprehensive extended auto warranties have their limits. CarShield plan exclusions are common among almost every extended warranty provider on the market. 

CarShield does not cover:

  • Parts that have been modified or altered
  • Wear-and-tear components like brake pads and air filters
  • Damage caused by acts of nature, collision, vandalism, or lack of proper maintenance
  • Repairs that have been made without pre-authorization from a CarShield claims representative

Added Benefits

With CarShield contracts, drivers also receive:

  • 24-hour roadside assistance
  • Courtesy towing any time you break down
  • Rental car reimbursement (included in only some plans)
Loading broken car on a tow truck on a roadside
CarShield includes 24-hour roadside assistance in each of its vehicle service contracts.

CarShield Reviews & Customer Complaints

CarShield has been featured on ESPN, CNN, HGTV, and TBS, and has a number of celebrity endorsements. Additionally, it has received thousands of online customer reviews. The company currently holds a 4.0-star rating on Google with more than 4,000 reviews. It also received 4.1 stars on Trustpilot with over 13,00 customer ratings. 

Despite these positive CarShield reviews, the Better Business Bureau (BBB) gives the company an F rating and indicates a pattern of complaints involving pushy or misleading sales and advertising, difficulty canceling policies, and rude CarShield representatives. Some consumers even called the company a scam or rip-off.

Another complaint we saw repeatedly was that CarShield denied claims for what customers thought were covered car repairs. However, this is common among top extended warranty companies and can often be attributed to consumers not thoroughly reading vehicle service contracts or not understanding contract terms before signing them.

There are more than 700 CarShield customer reviews on BBB, averaging a 1.75-star rating. CarShield customer service responds to many comments, and about half of the complaints have been closed in the last year. 

Here’s what a few customers had to say in CarShield reviews:

“I bought CarShield because of the awesome commercials. On the phone, the salesperson said that ‘anything that is not a wear item is covered, so no brake pads, no tires, etc…’ Turns out that a lot of things are not covered. There are 10 pages of fine print.” – Marco Borrillo, Google

“We bought a car warranty for our 2007 Impala. We were in California when the transmission went out. CarShield stepped in, got the claim approved quickly, and we were back on the road. Don’t know what we would have done without them.” – Marion Roth, Google

“Paid $121 per month, and when my car broke down, they didn’t pay a cent.” – Lee, BBB

CarShield Extended Warranty Costs

The pricing of an extended car warranty can vary widely from vehicle to vehicle, depending on factors such as:

  • Your deductible
  • The coverage plan you choose
  • Your vehicle’s make and model
  • The age and mileage of your car

In our research, we found:

  • A Diamond plan for a late-2010s SUV with less than 50,000 miles costs between $100 and $130 per month with a $100 deductible. 
  • Gold coverage for a 2013 sedan with just under 100,000 miles would set you back $130 per month with a $100 deductible. 
  • A Platinum plan for a sedan a year older but with only 75,000 miles on the odometer would cost the same.

With CarShield, drivers can choose from a range of deductibles starting from $0. The company also offers month-to-month contracts, so you don’t have to worry about being locked into a long-term plan. 

Conclusion: Is CarShield Worth The Money?

Our research on CarShield’s coverage options, costs, and customer service shows that CarShield could be a great choice to protect your vehicle in the long run, especially if you’re on a tight budget.

Although the company has received several complaints, CarShield reviews are predominantly positive, and the company has a good name in the industry. Taking into consideration that the company has covered over one million vehicles in 15 years, a few hundred negative comments barely make a dent in the company’s reputation.

Overall, we think it’s worth getting a quote from CarShield.

Best Prices

black starblack starblack starblack starblack half star 5 1

logo carshield

Get Quote

(800) 563-2761

Our research found this provider to be the most affordable. Plus, it offers monthly plans. 

It’s always smart to shop around for extended warranty coverage to make sure you’re getting the best deal for the coverage you need. We recommend taking a look at the top extended auto warranty companies and comparing quotes from CarShield to other industry-leading providers, such as Endurance and CARCHEX. We compared CarShield with these two providers head-to-head:

How to Get Invoice Pricing



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Industry Standing
Coverage
Affordability
Customer Service
Final Score

  1. I purchased my contract FROM CAR SHIELD on Jan 2019 and on Feb 2019. MY NAME IS XIOMARA lUGO FROM MIAMI FLORIDA
    CONTRACT NUMBER MFF1281294
    I had a issue with my vehicle; But being because I had just recently bought the contract I did not do a claim I handle it on my own. Now a year and a half later I need my warranty for a issue and they have denied my claim because of pre-existing condition;Which when I bought the contract there was no issue. I am a single mother with 2 small kids my only car, been paying for this warranty one year and half with no claims and they are going to deny me !! I am extremely unsatisfied with this company. Taking my money for a whole year like that and now they won’t help me fix my vehicle. “Why Do People Buy Insurances and Warranty””For When Things Happen”Now It Happened And Your Going To Deny me.
    Such a FraudUlent Company To take someone’s hard working money like that for a whole year and won’t assist them when in need!!
    I Will like a resolution to this. I will Like for my vehicle to be fixed by a warranty service that I am Paying for Monthly !
    TERRIBLE
    SUPER UNHAPPY
    FRAUDULENT WAY OF WORKING WITH PEOPLE’S HARD WORKING MONEY

  2. 0.1

    I’m just tired of seeing 6+ commercials every hour on 10+ different TV stations in California. If you don’t offer it here,then why do we have to put up with your bullcrap ads? & If you waste money on useless ads that agrevate viewers, I will NEVER use your services,no matter what state I live or visit.

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  3. I’m am not happy with carShield. I was paying for them to help me if me van needed to be fixed 😩 and I did need help with my van but they didn’t cover any of the things 🤔 I needed so I canceled But before that I called them and asked them if I could have my money back since they barely just took it out since I canceled the guide told me no I was not going to get any of my money back and that was that so I would not recommend this place they tell you one thing they take your money and he and they’ve taken my money for several months now and now their say and they can’t fix what’s wrong with it and I also can’t get my money back even though they does barely took it out and they did not fix anything so they could at least give me back my money but the guide told me on the phone no he was not so I give this place a 0

  4. 3.1

    Carshield is the biggest joke ever!! I’m not a customer my fiancé is. It’s now going on 3 weeks for the mechanic to receive Authorization to start repairing my fiancé’s vehicle. Customer service gives excuses how they’re backed up, computer problems. Really that’s not our problem. So, no rental car has been given. No Respect for they’re customer. I hate seeing the Carshield commercials. All Lies!! Not to mention the wait time Holding on the phone Ice-T Stop Representing! Oh, and Carshield Didn’t come to tow vehicle had to call a private tow! Money down the drain paying Carshield. American Auto is No Better subsidiary to Carshield.

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  5. 2.5

    My car broke down 8/7/2020. I have been WAITING AND WAITING FOR car shield to approve my claim. I am an essential Registered nurse and can’t afford a rental car as we live paycheck to paycheck. They won’t approve a rental car until the claim is approved. Car shield is dragging their feet on this. Not happy

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  6. 0.1
    CLAIM DENIED

    Carshield denied my claim. I have been paying them for over a year and the first time I file a claim they would not pay for anything. I am going to call tomorrow and dispute this and if they still refuse to pay anything I am going to cancel. What is the use of having them if you have to pay out of pocket for everything. They are a ripoff don’t waist your money.

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  7. 0.1
    Don’t use this company!!! Scammers

    We first got my policy in may 29,2020. I had the gold package where I can get everything on my truck fix. So I been paying every month faithfully with no interruptions. So my motor and transmission went out in my truck and I took it to the shop and the shop diagnose the truck and said the motor and transmission went out and it was not on my end. So when the car shop told them the mileage on the truck was incorrect from what we told them they said they not getting my truck fix’s because of they but I been paying every month so I ask can I get my money back and they said no and that’s not right.. they been taking my money every month but want get my truck fix. Just because of the mileage was wrong but the man told me who sold the car it was a 127,000 miles on it.. but the car place told them we was over 116,000 miles that I didn’t know when I got the truck.. I feel that I should got my money back I’m stuck with a truck that I can’t afford out my pocket to get fix. And need all the money I can I am on disability and it’s not right! I will be filling more complaints and getting some thing done so I can get my money back!! They are a fraud!! Don’t use them as your auto service. They don’t do nun but take your money and try to find a small reason not to fix your car. They are a scam!!!!!

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  8. This is a brilliant post, thank you for sharing about car shield. We always tend to change something or the other in our house, thanks for this great advice. I love your posts always. Thanks for this wonderful content.

  9. I am a car sheild member and the owner of two contracts i have not used them so far at this time i would like to say they have answered many of my questions and i request a hard copy of my contracts i received it within seven days the key to the situation is that you have to read and study your contract it explains everything to you what is covered and what is not covered and anything that is not covered in the contract i read and study my contract all the time until i understand it and I leave in my car but it works with a dealership if notice the contract on how it is worded but always read the fine print if I don’t understand a any part of my contracts i call and ask questions about it it’s just like your car insurance you have to read your policy to see what is covered and what is not covered and what is not included in your policy the key to anything is to read read read !!! if you understand it call and ask

  10. 0.6

    Car shield denied my claim to replace an alternator. They have a loophole that says “If a covered component was damaged by a noncovered component, they will not pay. Roadside assistance with them isn’t good either. They charge Total $186 for a 5 mile tow. Car shield paid $75 and I paid $111. There s no suit of armor when you have to pay almost a $1000 to fix your own car. Remind me what are they good for again,? Oh yeah NOTHING.

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