You are using an older browser version. Please use a supported version for the best MSN experience.

CarShield Reviews, Cost, & Coverage Plans

motor1.com logo motor1.com 7/14/2021 Motor1.com Team
a man standing in front of a car: man looking at tire © Motor1.com/Hersteller man looking at tire

What do CarShield reviews have to say about the company?

,

Research

CarShield extended warranties stand out by offering flexible payment options and month-to-month contracts, but is a CarShield extended warranty a good investment? To help you decide, our team has taken a close look at CarShield reviews, benefits, plans, and exclusions. We summarize everything you need to know in the article that follows.

To make the best financial decision, we recommend getting a quote from at least three providers, as extended warranty prices vary based on vehicle age, your location, and other factors. Check out our review of the best extended car warranty companies to see our top recommendations.

 

In this article:

  • CarShield Highlights
  • CarShield Coverage Plans
  • How Much Does CarShield Cost?
  • CarShield Reviews And Reputation
  • Our Take On CarShield: 4.5 Stars
  • FAQ: CarShield Extended Warranty
   

CarShield Highlights

CarShield is an independent provider of extended auto warranties for new and used cars. The company offers six types of warranty service plans, ranging from a basic drivetrain warranty to a plan comparable to a new car’s factory warranty. Some of the extended warranty plans provide coverage up to 200,000 miles, making CarShield a good choice for high-mileage vehicles.

  • Founded: 2005
  • Headquarters: St. Peters, Missouri
  • Coverage options: Six levels of coverage including a powertrain warranty, bumper-to-bumper warranty, motorcycle and ATV coverage, and a plan specially designed to cover high-tech electronics
  • Coverage terms: Up to 200,000 miles
  • Endorsements: Ice T, Chris Berman, Ernie Hudson, Adrienne Janic
 

CarShield Coverage Plans

CarShield offers six general types of warranty service plans, described in the table below:

CarShield Plan What It Covers
New Car Diamond This plan is comparable to a new car’s factory warranty. It is exclusionary and lists only parts that aren't covered to define the contract. Excluded parts include aesthetic parts, trim, hoses, belts, and wear items.
Platinum This plan is the highest level of inclusionary coverage. It covers items that are part of the engine, transmission, cooling system, electrical system, steering, air conditioning, brake system, and more. It doesn’t cover all of the parts that make up each of those systems, but it explicitly lists each covered item.
Gold This plan offers enhanced powertrain coverage. In addition to the engine, transmission, and drive axle, it covers the alternator, starter, power window motor, and more.
Silver This is CarShield’s basic powertrain plan. It covers all lubricated engine parts, the drive axle, transmission, and water pump.
Aluminum This plan is designed for vehicles that have complex electronic systems, as well as luxury vehicles. It includes coverage for power seat control, voice activation control, sensors, cruise control, gauges, instrument clusters, LCD screens, GPS, and more.
Motorcycle & ATV Specialty coverage for motorcycles and ATVs.

CarShield extended warranties are more accurately described as vehicle service contracts, as they're not fulfilled by the vehicle manufacturer. CarShield is a vehicle service contract broker, which means the plans it offers are administered by another organization.

Sample contracts on CarShield’s website list American Auto Shield as the administrator, though individual contracts may use other administrators. This adds to the variety of available options.

CarShield Extended Warranty Benefits

In addition to paying for covered repairs, all CarShield contracts also include the following perks:

  • Emergency roadside assistance
  • Rental car reimbursement
  • Trip interruption reimbursement

Details such as reimbursement amounts may vary from contract to contract depending on your state and contract administrator. These benefits are typical and included with most extended car warranties.

What Is Not Covered By A CarShield Extended Warranty?

CarShield plans don’t cover everything, and each contract details what is excluded. Exclusions common to all CarShield contracts are:

  • Repairs performed without prior authorization from the contract administrator
  • Damage caused by a lack of maintenance
  • Damage caused by acts of nature, theft, vandalism, or falling objects
  • Modifications to the vehicle
  • Misuse including racing or off-road driving
  • Tampering with the odometer

All of these exclusions are common in the industry, to both factory warranties and third-party providers.

CarShield plans have a standard waiting period of 20 days and 500 miles before coverage kicks in. This protects the company from paying for a repair that the customer already knew about. Representatives are allowed to make notes of what is wrong with your car at the time of your extended warranty purchase.

   

How Much Does CarShield Cost?

CarShield has both limited and unlimited coverage terms. According to our research, both types of plans offer affordable payments that start around $100. One quote we received was $1,993 in total for a 4 year/125,000-mile warranty. Generally speaking, CarShield's prices are cheaper than many of its competitors. 

To give an idea of pricing, our review team reached out to CarShield for extended automotive warranty quotes on a few vehicles. This is what we found:

Vehicle CarShield Warranty Plan

Term

Monthly Payment

Down Payment

Deductible

2016 Honda CR-V

Diamond 4 years/125,000 miles $100 for 18 months $295 $100

2016 Lexus ES 350

Diamond

Unlimited

$99 monthly

First payment

$100

2014 Ford Fusion 

Platinum

Unlimited

$99 monthly

First payment

$100

2013 Lexus RX 350

Platinum

Unlimited

$99 monthly

First payment

$100

2013 Toyota Camry

Gold

Unlimited

$99 monthly

First payment

$100

2016 Lexus ES 350

Gold

Unlimited

$99 monthly

First payment

$100

 

To get a quote from CarShield, you can either call the company or submit some quick information in an online form. If you request a quote online, a representative will call you to discuss your options. Things like mileage, service history, current warranty coverage, and recent mechanical issues can impact the price or the type of plan that is available to you.

During a phone call, you’ll be provided with a coverage plan and monthly payments. While some of CarShield's plans break up the cost over 24 months, most plans are monthly so you can keep the coverage as long as you choose.

According to CarShield reviews on Trustpilot, many customers find affordable monthly payments from the company. To see how much you would pay for coverage, get a free quote from CarShield for your vehicle.

 

CarShield Reviews And Reputation

Over 7,300 CarShield reviews on Google give the company an average score of 4.1 out of 5.0 stars. Similarly, over 19,800 CarShield reviews on Trustpilot rate the company 4.0 out of 5.0.

Positive reviews mention paid claims and knowledgeable agents. On the other hand, some customers are disappointed when certain parts aren't covered. Below are a few examples of both positive and negative reviews.

Recent Positive CarShield Reviews

"I've had two claims paid without a problem. The [first] claim took less than 24 hours to finish and saved me $400 dollars. The second claim for my alternator [...] was done the same exact day and CarShield saved me $1,300. I have no complaints at all!"

- Eliza P. via the Better Business Bureau (BBB) on 05/03/2021

"So far, CarShield has showed up to do exactly what it promised. I appreciate that [service] was timely, professional, and efficient."

- Michele via Trustpilot on 05/31/2021

Recent Negative CarShield Reviews

"My starter went out in my Infiniti Q56. They only want to pay $178 for a starter. Where in the world [can] you get an Infiniti starter for that price? I called the auto store local to me, and their price was $375. My total bill was $900 with the dealership. They will only pay $563."

- Gloria S. via BBB on 04/22/2021

"My fuel pump was cracked and I ended up paying $1,400 for the repair because it was denied for coverage."

- Ni-Ni via Trustpilot on 06/01/2021

More than half of CarShield reviews on Trustpilot give the company 5.0 stars. However, there are some negative reviews. Getting surprised by a denied repair is not fun, and it seems like that’s what most negative CarShield reviews are about. This is why CarShield customers are encouraged to go over their contracts when they receive them so that they are fully aware of what is covered.

CarShield's mobile app is designed for its customers to view the details of their contracts from their phones. It has over 50 reviews on Google Play with a 3.5-star rating. The app has over 100 reviews on the Apple App Store with a 4.1-star rating.

   

Our Take On Carshield: 4.5 Stars

We rate CarShield 4.5 out of 5.0 stars and recognize it for having the Best Value in 2021. While it's easy to focus on negative CarShield reviews, the extended warranty company has served thousands of happy customers and offers low rates for comprehensive coverage.

   
CarShield Pros CarShield Cons

24/7 emergency roadside assistance

Some negative CarShield reviews

Choice of certified repair shop

Rental car reimbursement not included with all plans

Direct payments to repair facilities

Most contracts transferable to new car owners

It’s always a good idea to get quotes from more than one company so you can compare pricing and determine what is right for you. In our review, we found CarShield, CARCHEX, and Endurance to be industry leaders. Use the tool below to get free quotes from these three providers:

   

FAQ: CarShield Extended Warranty

How much does CarShield cost per month?

When we reached out to CarShield for a quote for a 2016 Honda CR-V with 45,000 miles, we were quoted $100 per month for 18 months for a 4-year/125,000-mile bumper-to-bumper plan. The down payment was $295, and the deductible was $100. Month-to-month contracts are also available for about $129 monthly.

Is CarShield a scam?

No, CarShield is not a scam. The extended warranty provider has been in business for 16 years, during which time it has covered over 1 million vehicles. Additionally, CarShield has also been featured on ESPN, CNN, HGTV, and TBS and has several celebrity endorsements.

What does CarShield cover?

CarShield has six main plan types. At the top, plans can be compared to a manufacturer’s warranty. On the low end, plans cover the basic powertrain components and are affordable. All plans have 24/7 roadside assistance, and some include more perks, like rental car reimbursement. Also, CarShield stands out for its plans that are tailored to high-tech and specialty vehicles like ATVs.

Is CarShield good?

CarShield offers six warranty plans that range from comprehensive exclusionary coverage to a basic powertrain plan. Thousands of CarShield reviews rate the company with 4.1 out of 5.0 stars on both Google and Trustpilot, and it's one of the most popular warranty companies in the industry.

Does CarShield cover brakes?

Four of CarShield’s six extended warranty plans include coverage for brake systems. However, wear-and-tear parts like brake pads and shoes are not covered.

Does CarShield cover towing?

All CarShield plans come with 24-hour roadside assistance that includes towing to the nearest certified repair facility.

Does CarShield cover oil changes and other preventative maintenance?

No, CarShield does not cover oil changes and other preventative maintenance. However, this is typical for the industry. Most extended warranties do not include maintenance coverage.

Is CarShield worth it?

Whether a CarShield warranty would be worth it for your vehicle depends on a few factors, including your personal financial situation and your vehicle's dependability. Extended coverage from a company like CarShield can help you avoid taking a financial hit from auto repairs. If you're able to easily cover expensive, unexpected car repairs out of pocket, you probably don't need an extended warranty. However, if you'd rather keep your budget more predictable, a CarShield extended warranty is a great option. 

   

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of extended auto warranty companies to formulate rankings of the best providers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Warranty providers with a history of strong business practices and endorsements from experts receive the highest scores in this category.
  • Coverage: This rating is based on types of extended warranty plans available, coverage terms, and added benefits like roadside assistance.
  • Cost: Our research team reviews sample quotes for a variety of plans and vehicles. Companies with lower prices per year of coverage receive the best scores.
  • Transparency: This score takes into account contract transparency and the availability of a money-back guarantee.
  • Customer Service: We comb through customer reviews and perform our own shopper analysis to get a sense of the responsiveness and helpfulness of each warranty company.
 
AdChoices
AdChoices

Mehr von motor1.com

Loading...

image beaconimage beaconimage beacon