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CarShield Extended Warranty Review
In Our Opinion:
In its 16 years of business, CarShield has covered over 1 million vehicles and its administrators have paid out over $1 billion in claims. What makes CarShield such a popular provider? We think it's the company's below-average prices and flexible month-to-month coverage plans.
Six plans available, including those for high-tech features and speciality ATVs
Long-term and month-to-month coverage options
Covers some vehicles up to 200,000 miles
Low rating and warning of complaints from the Better Business Bureau (BBB)
CarShield is one of the country’s most popular independent warranty providers by offering drivers month-to-month contracts, flexible protection plans, and a range of deductibles. In our review of the best extended auto warranty companies, we gave Carshield the distinction of Most Affordable. But do CarShield reviews suggest the low-cost option is the best choice?
Below, we explain factors including coverage options, costs, and CarShield reviews from customers to help you determine whether a CarShield extended warranty may be right for your vehicle.
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 repair facility certified by the National Institute for Automotive Service Excellence (ASE®). This makes finding an eligible mechanic easy, which is important if you have a breakdown far from home. The company also includes perks to help cover the costs of getting you to the nearest repair shop.
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.
Good for high-mileage vehicles or used cars, the Platinum 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 covered part is listed in the vehicle service contract.
As CarShield’s enhanced powertrain coverage, the Gold plan focuses on common powertrain components such as the engine, transmission, and drivetrain. It also includes parts such as the alternator, power window motors, and starter.
The Silver plan is CarShield’s most basic (and most affordable) powertrain plan. It covers only the most important parts of your vehicle, including your engine, transmission, water pump, and drive axle.
The Aluminum plan covers most computer-related and electrical components, including the 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 plans for specialty vehicles.
Most of CarShield’s plans allow customers to transfer coverage to subsequent owners. The process requires a $50 administrative fee, and customers cannot transfer coverage to other vehicles.
CarShield contracts can be canceled at any time.
Even the most comprehensive extended auto warranties have their limits. The exclusions in CarShield plans 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 such as brake pads and air filters
Damage caused by acts of nature, collision, vandalism, or lack of proper maintenance
Auto repairs that have been made without pre-authorization from a CarShield claims representative
With CarShield contracts, drivers also receive:
24-hour roadside assistance
Courtesy towing for breakdowns
Rental car reimbursement (not included with all plans)
CarShield Extended Warranty Costs
CarShield is an affordable provider in comparison with other extended car warranty companies. Our research team conducted a 2021 warranty survey polling 1,000 consumers with most stating they paid between $1,500 to $2,500 for their vehicle service contracts. For comparison, the total cost of CarShield’s most comprehensive protection plan is $1,794.04.
Note that your own extended car warranty costs will vary depending on your situation. Your car’s age, make, model, and mileage will affect how much you pay for coverage.
We reached out to CarShield for free quotes on a couple vehicles and were given the following pricing:
2018 Toyota Camry
5 years/100,000 miles
$83.28 for 18 months
2013 Honda Accord
With CarShield, drivers can choose from a range of deductibles starting from $0. The company also offers monthly payment plans, so you don’t have to worry about being locked into a long-term contract.
How Do CarShield Extended Warranties Work?
CarShield offers an easy process when it comes to purchasing an extended warranty. To get a quote, you can either call the warranty provider directly or input your information on their website. When our team called to inquire about a quote, the hold time was less than a minute and the whole call took about 10 minutes.
If you need to use your extended warranty coverage, you can file a claim online or over the phone. You can also take your vehicle to any licensed repair facility if you experience a mechanical breakdown. If your repairs are covered under warranty, CarShield will pay the repair shop directly. You will only have to pay a deductible for service.
CarShield Reviews & Ratings
CarShield has been featured on ESPN, CNN, HGTV, and TBS and has a number of celebrity endorsements. Additionally, there are thousands of online CarShield reviews from customers. The company currently holds a customer rating of 4.1 out of 5.0 stars on Google with more than 8,000 reviews. It also received 4.0 stars on Trustpilot with over 21,000 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.
There are more than 1,100 CarShield customer reviews on the BBB’s website, averaging a rating of 1.45 out of 5.0 stars. CarShield customer service responds to many comments, and about 1,100 complaints have been closed in the past year. However, the complaints are a small number in comparison with the over one million contracts the provider has sold.
Here’s what a few customers had to say in CarShield reviews:
Positive CarShield Reviews
“I have had to use Car Shield two times. Both times they responded and covered my repairs without any hassle.” – Mary M., BBB
“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
Negative CarShield Reviews
“Paid $121 per month, and when my car broke down, they didn’t pay a cent.” – Lee, BBB
“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
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 and in need of a used car warranty.
Although the company has received complaints, CarShield reviews are predominantly positive, and the company has a good name in the industry. Considering CarShield is one of the top extended auto warranty companies and has covered more than 1 million vehicles in 16 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.
Well-known provider that offers great coverage with great pricing
Our Top Picks for Extended Warranty Coverage
It’s always smart to shop around for extended warranty plans to make sure you’re getting the best deal for the coverage you need. We recommend comparing free quotes from CarShield with quotes from other reputable extended car warranty companies, like Endurance and CARCHEX.
Endurance: Best Overall
Endurance is a reputable extended car warranty provider that’s been in business since 2006. The company stands out in the vehicle protection industry for being a direct extended warranty provider, rather than a broker or reseller. This means that Endurance provides and fulfills most of its plans without any outside help.
Endurance also offers six comprehensive levels of coverage for drivers to choose from. Each plan also comes with a one-year Endurance Elite membership, which offers perks like tire replacement, identity theft protection, and lost or broken key fob replacement and repair. Endurance has solid reviews for customers, with a 4.4-star rating out of 5.0 on Trustpilot and a 3.4-star rating on the BBB.
Industry veteran that handles your plan directly, from quote to claim
CARCHEX: Best for Used Cars
CARCHEX is a reputable third-party warranty provider offering various services to drivers. The company currently offers five levels of coverage and offers a long list of perks including fuel delivery, towing coverage, 24/7 roadside assistance, trip interruption coverage, and rental car reimbursement.
CARCHEX currently has an A+ rating from the BBB with 2.16-stars out of 5.0. The warranty provider also has a 3.2-star rating from Trustpilot.
Read our CARCHEX review to find out more about the third-party warranty provider.
Top-rated provider with unmatched customer service and affordable coverage
FAQ: CarShield Reviews
How much does CarShield cost on average?
Based on our research, a Diamond plan for a late-2010s SUV with fewer than 50,000 miles costs between $100 and $130 per month with a $100 deductible. However, a Gold plan for a 2013 sedan with just under 100,000 miles would also cost $130 per month with a $100 deductible.
Is CarShield worth having?
As our pick for Most Affordable third-party warranty provider, CarShield can be a good choice for drivers seeking low-cost coverage. The provider offers multiple coverage plans and month-to-month contracts, but buying any protection plan carries the risk of paying for services you may not need.
What repairs does CarShield cover?
CarShield repair coverage depends on the extended auto warranty you purchase. The provider offers basic powertrain warranty plans that cover the engine, transmission, and drive axles. CarShield also offers exclusionary, bumper-to-bumper warranties that cover almost every mechanical and electrical component. Most of the company’s protection plans provide coverage between a powertrain and bumper-to-bumper warranty.
Does CarShield cover electrical problems?
CarShield’s Platinum plan and Diamond plan both cover electrical systems. The Aluminum plan covers most electrical parts, including the starter and navigation systems.
Are extended car warranties worth it?
An extended car warranty can be worth it for owners of older vehicles who want peace of mind and want to avoid paying for unexpected repair costs out of pocket. But this depends on your needs and your vehicle. It’s a good idea to check average repair costs on sites such as RepairPal to compare them to your extended car warranty quotes.