Your Auto Advocate Extended Warranty

Your Auto Advocate Extended Warranty

Your Auto Advocate was founded in 2020. We specialize in providing a number of solutions to our members to help them secure a great deal on a new car. As a part of our comprehensive tools for car buyers, we also offer vehicle service contracts (“extended warranties”) through our partner company, AUL.

We interviewed many different extended warranty administrators in advance of deciding to work with AUL Corporation. There are a lot of “fly by night” companies out there, and AUL is not one of them.

AUL Corporation has been in business for 31 years. They are fully accredited with the BBB and have an A+ rating. Their BBB rating is 4 out of 5 based on 54 customer reviews, with corporate headquarters in Napa, California.

The reason we chose to work with AUL Corporation is because of their track record in the industry, commitment to customer service, and quality products.

Your Auto Advocate Extended Warranty Coverage Options

There are two big factors that need to be considered when you’re deciding which VSC (“extended warranty”) to purchase: Cost and coverage.

Costs

As we went over in our guide to vehicle service contracts, the cost of a VSC (“extended warranty”) is based on your VIN and the mileage of your vehicle. As such, your cost and quote may be quite different from the quotes that other consumers receive for their vehicle.

We’ve made it easy for you to see what a VSC (“extended warranty”) would cost. Create a free account to Your Auto Advocate, enter a VIN, and see your quote.

Your Auto Advocate vehicle service contract
In Your Auto Advocate account you can “self-quote” your VSC (“extended warranty”)

Your Auto Advocate promises to always be transparent in our pricing. Currently, we make a flat $500 on every VSC (“extended warranty”) we sell. That means the wholesale cost of the contract is the price you see when you self-quote minus $500. If we are required to change our pricing in the future, we will always provide a reason for the change. Our priority is transparency, so we encourage potential customers to reach out if they have any questions.

Your Auto Advocate Coverage

Your Auto Advocate’s VSCs are administered by AUL Corporation and are insured by American Bankers Insurance Company of Florida. We interviewed many different VSC administrators in advance of deciding to work with AUL Corporation.

AUL offers a comprehensive selection of coverage options under the umbrella of 15 different plans. These plans range from exclusionary coverage that will cover almost everything on your vehicle to stated coverages that are more hyper specific, along with some customizable levels of coverage.

Here at Your Auto Advocate we sell AUL’s Sentinel brand of products. There are four coverage options we are able to provide:

  • Supreme Plus
  • Supreme
  • Premier
  • Powertrain. 

Supreme Plus is the highest level of coverage that most closely mimics a manufacturer’s new car warranty. Supreme, Premier, and Powertrain are all stated coverages that are more limited in scope. In the spirit of transparency, you can view a sample contract as well as a breakdown of specifically what is and isn’t covered by each level of coverage by logging into your Your Auto Advocate account.

Take note that there is no coverage for issues that relate to abuse, misuse, or neglect. VSCs (“extended warranties”) are intended to protect you from manufacturer defects, not other forms of breakdowns, like forgetting to change your oil or getting into a car accident.  

All of the plans from AUL come with a few notable perks, including:

  • 24/7 roadside assistance with towing
  • Trip interruption coverage of up to $100 per day for up to 3 days
  • Rental car reimbursement

Please note that our VSCs (“extended warranties”) are not currently available to customers in California, Florida, or Massachusetts.

Customers will be able to choose any repair shop that has been certified by ASE or AAA. This includes any local dealerships. Covered repairs will be paid directly to the repair shop. However, repairs must have prior authorization before they begin, and because AUL has long standing relationships with dealers, a service advisor will handle this on your behalf.

A deductible may be applied, depending on the type of plan you choose. As with any VSC (“extended warranty”), you should be fully aware of the deductible before you sign the contract.

Where can I get repairs?

Customers will be able to choose any repair shop that has been certified by ASE or AAA. This includes any local dealerships.

What is the repair process?

If a light comes on in your dash, or you hear a clunking in the engine, you should go to a local dealership or an ASE certified repair shop. When you pull into the service lane, have your policy number handy, and provide it to the service advisor. The service advisor will conduct a diagnostic assessment of your vehicle to determine what the issue is and present that information to both you and AUL. If the repair is a covered repair you will pay your deductible and be on your way. If it is not a covered repair you may have an out of pocket expense.

Do you need a photo or inspection of my vehicle before I purchase the vehicle service contract?

If your vehicle is outside of it’s factory bumper to bumper warranty you will need to have a pre purchase inspection (PPI) performed. A local mechanic should be able to conduct a PPI for ~$100. There are national services as well, such as LemonSquad. We simply need a copy of your PPI report on file. 

Can I cancel the vehicle service contract?

Yes, you can cancel the vehicle service contract and receive a prorated amount of your money back (based on either time or miles, whichever is greater). If you cancel your vehicle service contract within 60 days and there have been no claims made you will receive a full refund. There is a $50 “administration fee” at the time of the refund.

What if I sell my vehicle?

You can cancel the vehicle service contract and receive a prorated amount of your money back OR it makes a great incentive to a new owner! There’s a $50 transfer fee and the new owner will have the remainder of the coverage.

Does this overlap with the manufacturer warranty on my new vehicle?

Yes, if you purchase a vehicle service contract for a brand new vehicle you will have overlapping coverage during the period of your manufacturer warranty (typically 36 months and 36,000 miles).

Why would I buy a vehicle service contract on a new vehicle?

When you purchase a vehicle service contract on a brand new vehicle you’ll have more term options and cheaper prices available. For example, you may be able to purchase a 10yr/100,000 mile term on a brand new car whereas you might only be able to get a 5 or 6 year term with fewer miles later. Please check out the video here that explains things to consider while buying extended warranty on a new vehicle.

Why are your prices so low? Am I getting the same thing at the dealership?

Yes, you are purchasing the same type of product sold at a dealership. We cut out the middleman (insurance brokers), and make a few hundred dollars per vehicle service contract. The dealership marks up their vehicle service contract thousands of dollars, not hundreds, but thousands! 

Who is backing this contract? Who are your partners?

Your Auto Advocate’s vehicle service contracts are administered by AUL Corporation and are insured by American Bankers Insurance Company of Florida. We interviewed many different VSC (“extended warranty”) administrators in advance of deciding to work with AUL Corporation. AUL Corporation has been in business for 31 years. They are fully accredited with the BBB and have an A+ rating. Their BBB rating is 4 out of 5 based on 54 customer reviews, with corporate headquarters in Napa, California.

Isn’t it better to buy a manufacturer vehicle service contract?

Believe it or not, many “manufacturer” vehicle service contracts are actually administered by third parties. Some manufacturers simply choose to “brand” a vehicle service contract with their name and it looks very enticing. We encourage you to do your research and check the coverage and price before making any buying decision. We reviewed manufacturer extended warranties here.

Are there any additional fees or yearly payments I have to make?

No. The price is the price and is a one time payment. 

Are there any surcharges?

There are two surcharges that may apply. 

A “Business Use” surcharge and a “Lift” surcharge.

If you use your vehicle for business such as Uber, Lyft, delivery services or if your vehicle is in a business name there is a surcharge. 

If you have a lift kit (professionally installed before you purchase the vehicle service contract) there is a surcharge.

Is there a deductible?

There is a standard $100 deductible per repair order. You may have the option of a $50 or $250 deductible.

I do my own maintenance. Will that void my vehicle service contract?

No. If you perform your own maintenance on your vehicle it must be according to your owners manual and you must keep records of the maintenance. This means keeping track of what maintenance was performed, and receipts of materials used. You don’t want to be in need of repair because proper maintenance was not performed!

How to buy from Your Auto Advocate

Our partnership with AUL Corporation allows us to provide a top-quality VSC to our members. We chose to work with AUL due to their excellent plans, affordable cost, and great customer reviews. To purchase a VSC (“extended warranty”) from us, please create a free Your Auto Advocate account and self-quote your VSC. If you’re not sure you want to purchase from us, please schedule a 15-minute consultation call with us. We’ll be happy to walk you through VSC options, even if you don’t choose ours. You can do that from within your account as well.

Why Doesn’t Your Auto Advocate Sell Extended Warranties in California?

Why Doesn’t Your Auto Advocate Sell Extended Warranties in California?

“We’re calling you to tell you about your vehicle’s extended warranty …” If you’re like most people, seemingly everyday you get a spam call from an “extended warranty” company. Extended warranties, officially known as vehicle service contracts (VSCs) suffer from a lack of information disclosure and are represented as something more than they are with marketing designed to sell instead of inform. VSCs can be a great benefit to car owners, especially when you know exactly what to expect and how it can help you.

We’ve been talking about VSCs (“Extended Warranties”) here at Your Auto Advocate, since we first started educating car buyers.  One of the first things we realized is that there was no one in the market providing honest information about VSCs to consumers. We decided to change that.

After conducting countless hours of research, and by leveraging our industry connections, we chose to partner with AUL Corporation to offer Your Auto Advocate members a VSC (“Extended Warranty”) at a great price. With AUL’s 31 years of experience in the industry and great customer reviews, we’re proud to work with them.

However, there is one issue: California is much more restrictive when it comes to VSCs. For this reason, we’re currently unable to sell them to California residents. 

Because transparency is important to us, today, we’ll take some time to discuss the reasons that we are currently unable to sell VSCs in California. We’ll also discuss the options that currently exist for California residents.

Remember, as a Your Auto Advocate member, you can schedule a FREE 15-minute consultation call with us to discuss VSCs. We’ll be happy to walk you through your VSC options. Create a free Your Auto Advocate account to schedule your call today.

Mechanical Breakdown Insurance: The “Extended Warranty” in California

Only one entity within the state of California can sell vehicle service contracts: car dealers. The car dealer lobbied the state of California to pass this monopolistic law that forbids any other business from selling vehicle service contracts to California residents who register their vehicle in the state.

So how do other third parties sell “extended warranties” in California? They actually sell mechanical breakdown insurance (MBI). Take note of the word “insurance,” as MBIs are actually regulated through the California Department of Insurance (CDI). 

As a consumer, when you buy MBI, you are essentially buying a contract between the insurance company and yourself, just like you would with any other kind of insurance. As such, the CDI will carefully scrutinize and regulate the rates and coverage provided by the insurance program.

MBI is similar to normal car insurance in that it’s well regulated for consumer protection. Even though it is technically an insurance policy, though, it functions much like any other vehicle service contract in California would.  

There are plenty of laws in California that regulate mechanical breakdown insurance. Because of these laws, the process is a little different than it is when you’re buying a standard extended warranty in other states. If you’re looking to dive deeply into this unique version of an “extended car warranty” in California, you can read more on the official California Department of Insurance website.

Mechanical breakdown insurance is the only form of mechanical coverage that can be purchased online in California. The CDI advises that consumers verify that any company that is selling MBI is licensed to sell it. To earn a license to sell an MBI policy, the policy itself has to be approved by the CDI. This means that they’ll go over every line, examine every level of coverage, and set standards that the company must abide by.

From the viewpoint of the consumer, the experience of using an MBI policy as compared to using a VSC will essentially be the same. It will simply feel like another form of an extended car warranty in California. You would take your car to a covered mechanic when a breakdown occurs and file a claim. From there, payment would be made directly to the shop by the coverage provider. 

But if you’re looking to buy a vehicle service contract in California, you still can. You just have a much smaller window to make your purchase decision and you’ll be limited in who you can purchase it from. Let’s take a look at when you can buy one and where you can get it.

Can You Even Buy a Vehicle Service Contract in California?

Do you want to take one guess as to when you can buy a vehicle service contract in California? That’s right…when you’re buying your car from a dealership. While the decision to restrict VSCs in California was done to protect consumers, it’s given dealerships far more leverage than they have in other states.

In most states, you can buy a VSC at any point in time (presuming your car is still eligible, according to the company’s criteria). However, those who are looking for a vehicle service contract in California can only buy their VSC from a dealership at the time that they are buying their car.

Unlike other states, VSCs sold in California have special requirements, too. A VSC must list the dealership itself as the obligor of the contract, rather than a third-party company, such as the AUL Corporation. The dealership must also work with a backup insurance company that will cover any repairs that they deny.

In essence, you can still buy a vehicle service contract in California, but you will likely end up paying too much for it. Remember, you can still negotiate the price of a VSC if you are going to be buying it at a car dealership.

When Will Your Auto Advocate Sell an Extended Car Warranty in California?

We are currently exploring every avenue that will allow us to sell a top-quality MBI policy in California. Our partner, AUL Corporation does offer a MBI product in California, and we are actively pursuing the required licensing to be able to sell to our members in California.

Our stance on extended warranties is that every consumer should research their costs for common repairs, consider how long they’re going to keep their car, and consider their tolerance for risk. Anyone who comes out of that process with the decision that it’s time to buy an extended warranty should be able to buy one from a top-quality, transparent provider, even if they live in California.

We want our members in California to have the exact coverage that they’re looking for, while being able to negotiate a great deal for their policy.  Keep checking our site for updates on this situation. We’ll do our best to keep all of our California members informed about when they will be able to buy a mechanical breakdown insurance policy from our partners.

Vehicle Service Contracts in Other States

For our members in other states, if you’re thinking about purchasing an extended warranty for your car, we recommend you get a quote from Your Auto Advocate. We will always be transparent in our pricing. Our current price model is to charge a flat $500 markup on all our VSCs. We will even offer a free consultation call to help you determine whether a VSC is the right decision for you. When you are ready to buy, you can now purchase a plan 100% online through Your Auto Advocate.

Your Auto Advocate vehicle service contract
In Your Auto Advocate account you can “self-quote” your VSC
Endurance vs. CARCHEX Extended Warranty

Endurance vs. CARCHEX Extended Warranty

Vehicle service contracts, colloquially called extended warranties, are agreements that are designed to cover specific kinds of mechanical breakdowns. While these are similar to the warranty that comes with a new car when you buy it at the dealership, because it’s offered by a third-party vendor, it is not technically a “warranty”.

Extended warranties are a hotly debated topic in the car-buying world (in part because we’ve all been bombarded with phone calls trying to sell us on them). Our standard advice is to do your research on a variety of “extended warranty” providers and weigh the pros and cons of buying one versus not having one. We don’t suggest buying a vehicle service contract when you buy your car, unless you absolutely need to finance it (at which point other questions come to mind), and if you do purchase a VSC from the dealer, be sure to negotiate the price! You can buy a VSC at any point in time, as long as your car is eligible.

When it comes to the debate on Endurance Warranty vs. CARCHEX as a provider, you’ll need to examine several things before you make a decision. 

In our extended warranty comparison, we’ll examine the CARCHEX and Endurance extended warranty costs, what’s covered under their plans, and the reviews of past customers that relate to each company. All of this information will allow you to make an educated decision.

Remember, as a Your Auto Advocate member, you can schedule a FREE 15-minute consultation call with us to discuss VSCs. We’ll be happy to walk you through your VSC options. Create a free Your Auto Advocate account to schedule your call today.

Endurance Warranty vs. CARCHEX: Company Background

Understanding some basic information about a company can help you to decide if you want to do business with them. While you won’t be able to tell everything from a company’s BBB page or customer reviews, looking at these things is the best way to determine how a company might treat you.

Endurance Warranty

Endurance Warranty has been in business for 15 years. The company is based out of Illinois. They currently have a C+ rating with the BBB; however, they are not BBB-accredited.

Endurance warranty better business bureau page

Endurance Warranty’s BBB page currently has a warning that talks about misleading advertising practices that have been carried out by the company. The BBB has received multiple complaints about mailers that contain deceptive features and copy that makes them seem like government documents. The complaints from customers are part of the consideration in our review and overall recommendation.

CARCHEX

CARCHEX has been in business for 22 years. They currently have an A+ rating with the BBB and they are a BBB-accredited company. They are based out of Maryland.

CARCHEX better business bureau page

There are currently no warnings or alerts on CARCHEX’s BBB page. In fact, there is actually some “additional information” presented that states that CARCHEX was a finalist for a Maryland business award, which is a good sign. This is a rare thing to find in a VSC company.

Endurance Warranty vs. CARCHEX:  Coverage

Both companies provide similar coverages, however, there is one crucial difference; CARCHEX does not sell vehicle service plans directly. Instead, they sell you plans that are administered by a third-party company. While you’ll always be interacting with CARCHEX when you set up your plan and file a claim, the plan itself will be managed by a separate company.

What Is the Same Between the Companies?

When it comes to the battle of CARCHEX vs. Endurance Warranty, it’s easy to focus on the differences. Before we jump into those, let’s take a look at the areas in which they are similar.

Both providers offer different levels of coverage to help you choose a plan that will be the right fit for your needs. You may want simple powertrain coverage. Maybe you want a bumper-to-bumper plan. Either way, you’ll be able to customize your coverage with CARCHEX or Endurance Warranty.

Another similarity is the flexibility provided in the places that you can take your cars for repairs. Both companies offer plans that allow you to take your car to any certified mechanic shop for repairs. The vehicle service contract provider will pay the shop directly and you won’t have to wait for reimbursement. Make sure to call the mechanic ahead of time to ask whether they accept your VSC, since it is possible that they might not.

In this CARCHEX vs. Endurance Warranty review, we’ll be going over plenty of differences between plans and providers. However, one thing is constant for every plan sold through either company: there is no coverage for damage related to abuse, misuse, or neglect.

All issues must be related to a manufacturer’s defect in order to be covered. Other than the special plans offered for maintenance, there is no coverage provided for components that are designed to wear and tear. This includes components such as brake pads and timing belts.

Both plans also require that you keep records of every visit to the mechanic, whether it’s for a repair or for standard maintenance. If you are not able to provide these records, it’s quite likely that your claim will not be covered.

How much do these plans cost? As we’ve discussed in a past article on vehicle service contracts, the cost of a VSC is based on the VIN of the car in question and its mileage. Each VSC provider uses its own algorithm to come up with quotes based on this information. As such, the only way to know the Endurance Warranty cost or the CARCHEX cost is to request a quote with your unique vehicle information.

While we’d like to settle the Endurance Warranty vs. CARCHEX debate based on their prices, we won’t be able to do that, as prices vary dramatically between cars.

What Does Endurance Warranty Cover?

How does Endurance insurance stack up? Endurance Warranty provides six levels of plans, each with a unique level of coverage.

  • Secure:  This basic plan provides coverage for powertrain components, such as the engine, drivetrain, and transmission.
  • Select Premier:  This plan provides additional coverage for some electrical components, cooling system components, and fuel delivery system components.
  • Secure Plus:  This program has the same coverage as the previous plans, with the addition of steering components.
  • Superior:  As the highest component coverage plan, this plan covers almost every component in your vehicle, other than seals and gaskets.
  • Supreme:  This “bumper-to-bumper” plan, also known as an exclusionary plan, provides coverage for everything that’s not specifically mentioned.
  • Endurance Advantage:  This plan provides basic mechanical breakdown coverage, along with coverage for maintenance services.

Make sure to read any contracts that you’re given so that you can have a clear understanding of what’s covered under your vehicle service contract. 

With so many plans being offered, it can be confusing to understand which one is best for you. In fact, we only have one sample contract available from Endurance Warranty to investigate. As such, you’ll need to investigate the specific coverage of the plan that you choose.  

What Does CARCHEX Cover?

CARCHEX has five levels of plans to choose from, each with a coverage term ranging from 5-10 years. The five levels are:

  • Bronze:  As the most affordable plan offered, the Bronze plan provides basic powertrain coverage, which includes coverage for your engine, transmission, cooling system, and drive train.
  • Silver:  This plan adds to the previous plan, providing coverage for the air conditioning system, some electrical components, and the fuel delivery system, too.
  • Gold:  Sold as the plan that’s best for cars with over 60,000 miles, this plan is said to cover most major systems in the car. It adds coverage for steering and braking, in addition to the coverage to the previous plans.
  • Platinum:  This plan offers the highest stated level of component coverage, with coverage for a greater number of electrical components, heating and cooling coverage, and suspension.
  • Titanium:  As their only exclusionary plan, anything that is not specifically excluded is covered under this plan.

CARCHEX provides sample contracts for one plan at each level. Take note that this doesn’t mean that the plan you are looking at will be the same as the one in the sample contract. You’ll need to request a quote and request a specific contract for the plan that you’re interested in. Examine this contract carefully and make sure that the coverage that you’re after is clearly stated within the contract.

CARCHEX has deductibles that range from $0 to $200, based on your selections and the vendor you choose. When it comes to the debate between CARCHEX vs. Endurance Warranty, CARCHEX is the only one with a $0 deductible option.

What Perks Do They Offer?

Many vehicle service contract providers package their services with other benefits to tempt people into becoming customers. We discovered that both providers have similar benefits. They both offer the following benefits with any of their plans:

  • 24/7 roadside assistance, including lock-outs, battery jump starts, fuel delivery, and limited towing coverage
  • Limited trip interruption benefits
  • Rental car reimbursement

Endurance Warranty enrolls every new member in their Endurance Elite Membership program. Being in this program provides several additional benefits that are worth having, such as:

  • ID theft protection
  • Key fob replacement
  • Tire replacement or repair
  • Personal concierge services for reservations, emergencies, and other uses

This means that customers of Endurance Warranty will have plenty of useful benefits available that come with their plan, at least for the first year. You’ll have to make sure that you cancel this membership by the second year; otherwise, you’ll be on the hook for the cost of the membership.

We’d like to see more perks coming from CARCHEX, but it’s not a major drawback of their service. We’d never suggest buying a VSC based on the perks that come with it. Instead, it’s best to make your decision based on the cost, coverage, and company reputation.

Endurance Warranty vs. CARCHEX: Customer Reviews

Both Endurance Warranty and CARCHEX have been serving the automotive world for over a decade. This means that you should have plenty of evidence about how they might treat you based on the ways that they’ve treated past customers.

Today, we’ll look through some of the common themes of the reviews so that you can see the types of complaints that people are making against these companies, along with the types of practices that consumers are praising.

Endurance Warranty Customer Reviews

Endurance Warranty has a rating of 3.59 out of 5 on the BBB customer review site. This rating is the average of 1,088 customer reviews. Having such a high number of reviews makes their 3.59 rating seem like an accurate representation of their service. Let’s take a look at a few of the reviews they’ve received.

John H., one-star review

“Endurance scammed my 84-year-old mother for a year. They signed her up through aggressive tactics. Then, once I learned what my mom was paying to cover a car — my mom literally drove 18 miles total in 2020 — I called to cancel my mom’s contract. The ensuing phone call was over 15 minutes long as the customer service person I spoke with was overly rude and extremely condescending and berating to both my mother and me. Now, to finalize the ending of the contract, I have to get my mom to sign the cancellation form in front of a notary. This company is the worst and takes advantage of the elderly!”

La’Shawn B., five-star review

“The level of customer service I received was outstanding, which made my overall experience spectacular. The staff was well-informed and helpful. My questions and concerns were promptly addressed. I will definitely recommend this company to all my friends and family.”

Cori R., one-star review

“I thought I purchased the most comprehensive coverage available. I was shocked when the dealership called me back and said Endurance would not cover any of the repairs (tension drive belt, alternator drive belt, spark plugs, engine partitions, right rear comfort armrest that was draining the battery, etc)… All those repairs ($4k) were on me, and if I didn’t get them fixed, the Endurance agent told me they wouldn’t cover the engine or alternator if they needed repair. I pay $114 a month for this coverage. Complete garbage. Canceling ASAP! Do not recommend!”

Keep in mind that Endurance currently has an alert on their BBB page saying that they engage in intentionally confusing marketing tactics. This fact makes the first review seem entirely reasonable, and that’s not okay with us.

The middle review was a great example of the type of reviews that are all over their BBB page. There are plenty of satisfied customers who have just signed up, but haven’t filed any claims yet.

CARCHEX Customer Reviews

CARCHEX has a rating of 2.26 out of 5 on the BBB customer review site. This rating is derived from an average of 102 customer reviews. While it’s surprising that there aren’t more reviews to look through, it’s still plenty to use to evaluate CARCHEX.

Jordan K., one-star review:

“Bought an extended warranty. On October 7, 2020, CARCHEX received a complete packet from me about cancellation and told me I would be receiving a refund in 45-60 days. Here it is, December 23, 2020, and I still have not received a refund. They are great at taking your money in seconds, but when it comes to refunding it, they are horrible. This needs to be settled, one way or another.”

Mick O., five-star review:

“I was considering getting a secondhand car and called CARCHEX for a warranty quote. I did this apprehensively because I’ve heard about the horror stories of high-pressure sales, never-ending phone calls, and so on. I withheld my number and gave them a call. I gave Ryan my details and details about the car I was thinking about getting. He came back with a reasonable quote and told me what that covered. I glossed over that. He then made sure I understood the exemptions and what the warranty would ONLY cover. He then explained to me why the car I was looking at was so cheap — repairs run to multiple thousands for everything. He gave me some really good advice on buying a car and the pitfalls. He actively dissuaded me from the warranty and the approach I was thinking about. He’s a really great salesman — he put the customer first, not selling a product that might do half of what I wanted. I will definitely use this company again and would highly recommend their salesman, Ryan C.”

Dennis H., two-star review:

“Seemed good. Now, I’ve canceled my warranty after 4 days. Fighting to get my money back, getting a run-around. Said I had to respond to an email, but they don’t send an email. Called twice now.”

Response from CARCHEX:

“Thank you for your review. We have reached out to you and processed your request to cancel. With your purchase being inside our 30-day money-back guarantee period, your refund will appear in your account in 2-3 business days. Please give us a call if you have any additional questions or concerns. We can be reached at our phone number. Best, CARCHEX Customer Service Team.”

When going over the CARCHEX reviews, one of the first things we noticed was that almost every review has an official response from CARCHEX. That’s something that we love to see. 

Most of the reviews tended to be about buying or refunding the policy, not speservicing it. This could be taken as a good thing, since there weren’t many reviews complaining about a lack of coverage. We’re happy to see one review detailing a time a customer service representative went above and beyond, too.

Endurance Warranty vs. CARCHEX: Who Do We Recommend?

When comparing Endurance Warranty and CARCHEX, we’ve examined background information, coverage details, and customer reviews. While both companies have mixed reviews, if you were to choose between the two, we would recommend CARCHEX over Endurance Warranty. This is because of the aggressive tactics being used by Endurance Warranty that we do not agree with.

It’s worth remembering that Your Auto Advocate also offers vehicle service contracts.

Our VSC has transparent pricing, and you can meet with one of our team members to have all your questions answered for free. Not to mention, AUL (our partner) has great customer reviews.

We chose to work with AUL due to their excellent plans, affordable cost, and great customer reviews. Still not sure? Schedule a 15-minute consultation call with us. We’ll be happy to walk you through VSC options, even if you don’t choose ours. Create a free Your Auto Advocate account to schedule your call today.

Your Auto Advocate vehicle service contract
In Your Auto Advocate account you can “self-quote” your VSC
Your Auto Advocate vs. Endurance Extended Warranty

Your Auto Advocate vs. Endurance Extended Warranty

One thing that every car owner knows is that a repair bill can strike at the most unexpected time. One way that some consumers choose to protect themselves against these unexpected expenses is by purchasing a vehicle service contract (VSC), known colloquially as an “extended warranty”. A VSC will pay for mechanical breakdowns that are related to a manufacturer defect.

We strongly encourage and advise people to fully research what a VSC will cover, their cost, and which companies are reputable in the space before making a purchase. Two factors to keep in mind as you do your research are your personal risk tolerance and the average cost of repairs for your specific vehicle.

Today, we’re going to examine two companies that offer vehicle service contracts: Your Auto Advocate and Endurance Warranty. We’ll discuss the background of each of these companies, what their VSCs are designed to protect, and highlight a few customer reviews. Our hope is that by reading this you’ll be able to make an informed decision.

Remember, as a Your Auto Advocate member, you can schedule a FREE 15-minute consultation call with us to discuss VSCs. We’ll be happy to walk you through your VSC options. Create a free Your Auto Advocate account to schedule your call today.

Your Auto Advocate vs. Endurance: An Overview of the Companies

Before spending thousands of dollars on a VSC, we encourage you to learn about the companies providing them. Independent research is a must, however we’ve done some of the due diligence for you.

Your Auto Advocate and AUL Corporation

Your Auto Advocate was founded in 2020. We specialize in providing a number of solutions to our members to help them secure a great deal on a new car. As a part of our comprehensive tools for car buyers, we also offer vehicle service contracts through our partner company, AUL.

We interviewed many different extended warranty administrators in advance of deciding to work with AUL Corporation. There are a lot of “fly by night” companies out there, and AUL is not one of them.

AUL Corporation has been in business for 31 years. They are fully accredited with the BBB and have an A+ rating. Their BBB rating is 4 out of 5 based on 54 customer reviews, with corporate headquarters in Napa, California.

The reason we chose to work with AUL Corporation is because of their track record in the industry, commitment to customer service, and quality vehicle service contracts.

Endurance Warranty

Endurance Warranty has been in business for 15 years. They are based out of Illinois. They are not BBB accredited and they currently have a rating of C+ with the service. Their consumer rating is currently at 3.62 out of a potential 5.

As of this writing, Endurance Warranty’s page with the BBB has a warning that alerts consumers about misleading and confusing advertising practices. The BBB has gotten multiple complaints about mailers that contain deceptive wording and design features that make it seem like an official government document.

Endurance warranty better business bureau page

While Endurance ads commonly talk about plans being “extended warranties,” similar to the ones given by manufacturers, this is not truly the case. As the footer on their website shows, they actually offer vehicle service contracts.

Endurance copyright language

However, Endurance is the underwriter for most of their plans, which can help when it comes time to file a claim.

Your Auto Advocate vs. Endurance: What Do the Vehicle Service Contracts Cover?

There are two big factors that need to be considered when you’re deciding which VSC to purchase: cost and coverage.

Costs

As we went over in our guide to vehicle service contracts, the cost of a VSC is based on your VIN and the mileage of your vehicle. As such, your cost and quote may be quite different from the quotes that other consumers receive for their vehicle.

You’ll need to request quotes from any prospective company to compare prices. Keep in mind that you may be able to use quotes to negotiate offers from other companies.

Here at Your Auto Advocate, we promise to always be transparent in our pricing. Currently, our pricing model charges a flat $500 markup on every VSC we sell. If we are required to change our pricing in the future, we will always provide a reason for the change. Our priority is transparency, so we encourage potential customers to reach out if they have any questions.

Your Auto Advocate vehicle service contract
In Your Auto Advocate account you can “self-quote” your VSC

Your Auto Advocate Coverage

Your Auto Advocate’s VSCs are administered by AUL Corporation and are insured by American Bankers Insurance Company of Florida. We interviewed many different VSC administrators in advance of deciding to work with AUL Corporation.

AUL offers a comprehensive selection of coverage options under the umbrella of 15 different plans. These plans range from exclusionary coverage that will cover almost everything on your vehicle to stated coverages that are more hyper specific, along with some customizable levels of coverage.

Here at Your Auto Advocate we sell AUL’s Sentinel brand of products. There are four coverage options we are able to provide:

  • Supreme Plus
  • Supreme
  • Premier
  • Powertrain. 

Supreme Plus is the highest level of coverage that most closely mimics a manufacturer’s new car warranty. Supreme, Premier, and Powertrain are all stated coverages that are more limited in scope. In the spirit of transparency, you can view a sample contract as well as a breakdown of specifically what is and isn’t covered by each level of coverage by logging into your Your Auto Advocate account.

Take note that there is no coverage for issues that relate to abuse, misuse, or neglect. VSCs are intended to protect you from manufacturer defects, not other forms of breakdowns, like forgetting to change your oil or getting into a car accident.  

All of the plans from AUL come with a few notable perks, including:

  • 24/7 roadside assistance with towing
  • Trip interruption coverage of up to $100 per day for up to 3 days
  • Rental car reimbursement

Please note that our VSCs are not currently available to customers in California, Florida, or Massachusetts.

Customers will be able to choose any repair shop that has been certified by ASE or AAA. This includes any local dealerships. Covered repairs will be paid directly to the repair shop. However, repairs must have prior authorization before they begin, and because AUL has long standing relationships with dealers, a service advisor will handle this on your behalf.

A deductible may be applied, depending on the type of plan you choose. As with any VSC, you should be fully aware of the deductible before you sign the contract.

Endurance Warranty Coverage

Endurance Warranty offers six tiers of plans to choose from, each with different levels of coverage. Let’s walk through each of these tiers.

Secure

As the lowest tier plan, this plan covers the powertrain, which includes the engine, transmission, and drivetrain.

Select Premier

This plan builds upon the Secure plan by adding coverage for fuel delivery systems, cooling system components, and electrical components.

Secure Plus

With the addition of coverage for the steering components, this plan builds upon the previous two plans’ coverage.

Superior

This program has the highest level of stated coverage, which means that it contains a list of components that are covered. It covers nearly every component, with the exception of seals and gaskets.

Supreme

As the only exclusionary plan offered, this program will cover everything on your vehicle that is not specifically itemized as an excluded component.

Endurance Advantage

This plan provides basic coverage for mechanical breakdowns, including coverage for some maintenance services. This is not something that is found in very many VSC plans.

We were only able to obtain one sample vehicle service contract from Endurance. You can learn more about their coverage by reading through it, or you can view all of their plans on their website.

Much like AUL Corp., there is no coverage for any issues related to neglect, misuse, or abuse. You’ll still be responsible for making sure any routine maintenance is kept up-to-date, as well.

Covered repairs may be completed at any shop that is ASE or AAA-certified. The invoice will be paid directly by Endurance Warranty over the phone. You may be responsible for a deductible, depending on your plan.

Your Auto Advocate vs. Endurance: The Customer Reviews

Reading customer reviews is a great way to determine how a company treats current and past customers. Let’s take a look at what past customers have had to say about each company.  

Your Auto Advocate Customer Reviews

Instead of looking at Your Auto Advocate reviews, we’re going to look at reviews for AUL Corporation. We are doing this because the reviews for Your Auto Advocate often focus on the other solutions that we offer to our members, such as our Market Price Report or our informational YouTube channel. Our reviews are quite good for both of those!

Your Auto Advocate Google Reviews

Since AUL manages the VSCs, we will showcase a handful of their reviews below.

Rosemary S., 5-star review, BBB site

“AUL has exceptional service customer support. I highly recommend them as your next warranty provider.”

KC C., 5-star review, BBB site

“AUL employees, who I have worked with for over 14 years, do an excellent job of trying to help dealers and their customers. I am very happy with the service and follow-up I have experienced over the years.”

Peter D., 1-star review, BBB site

“AUL is not a dealership level of mechanical breakdown insurance provider. They will often decline repairs as pre-existing and not pay normal retail dealership prices as they will attempt to ship in used parts or AutoZone parts. Most people don’t go to the dealership for used or brand X parts. If you are okay with these policies, find an independent shop that will accept AUL. My dealership stopped honoring AUL when AUL refused to use factory parts and shipped in gray market parts from out of state.”

AUL Corporation Response to Peter D.

“Thank you for taking the time to let us know about your concerns. You are correct that AUL is not responsible for fixing a car that you sold with known issues. We have never shipped or supplied parts from AutoZone and any part we do supply is completely covered by AUL. Any rental needed due to supplied parts issue would be covered, as well, so please give us a call to review. Thank you.”

We had to dig all the way back to October 2019 to find this 1-star review, and we are quite satisfied with the response from AUL. Otherwise, the majority of consumers who are leaving reviews for AUL are saying that they’ve had a positive experience.

Endurance Warranty Customer Reviews

We know that Endurance Warranty has had their BBB rating impacted by complaints of their advertising practices, but what do current customers think of them? Below, we’ll explore a few notable customer reviews.

Joel G., 1-star review, BBB site

“Sold the covered vehicle. Takes an act of Congress to cancel — they want a notarized letter with the mileage of the vehicle I traded in a month ago to cancel. They keep sending me bills for a policy.”

Bashaan C., 4-star review, BBB site

“My experience with Endurance customer service was great and very helpful. I’m very satisfied with the person who helped me today. Thanks.”

Ca S., 4-star review, BBB site

“Just signed up and other than having to wait 30 days and 1,000 miles, I am very pleased with them so far. Did a comparison shop between other companies and this one seems to be the best when it comes to cost, coverage, and quality customer service.”

Your Auto Advocate vs. Endurance: Who Do We Recommend?

It might not surprise you to find out that in the battle of Your Auto Advocate vs. Endurance, we recommend working with us. Our partnership with AUL Corporation allows us to provide a top-quality VSC to our members. We chose to work with AUL due to their excellent plans, affordable cost, and great customer reviews. Still not sure? Schedule a 15-minute consultation call with us. We’ll be happy to walk you through VSC options, even if you don’t choose ours. Create a free Your Auto Advocate account to schedule your call today.

Your Auto Advocate vs. CarShield Extended Warranty

Your Auto Advocate vs. CarShield Extended Warranty

When you’re buying a car, one way to avoid potentially expensive repair bills is to investigate vehicle service contracts (VSCs). Colloquially known as extended warranties, vehicle service contracts protect you against mechanical breakdowns caused by manufacturer defects. Instead of a repair bill, all you might have to pay is a relatively small deductible.

While we think that VSCs can be a great option to minimize risk, we recommend researching them extensively to ensure they make sense for you. This typically means that you’ll need to consider your personal risk tolerance, along with the average cost of repairs for your vehicle, to know whether a VSC is a worthwhile purchase.

Today, we’re going to take a look at two companies that offer extended warranties: Your Auto Advocate and CarShield. In this post, we’ll go over who these companies are, what their VSCs cover, and showcase some customer reviews.

Remember, as a Your Auto Advocate member, you can schedule a FREE 15-minute consultation call with us to discuss VSCs. We’ll be happy to walk you through your VSC options. Create a free Your Auto Advocate account to schedule your call today.

Let’s get going.

Your Auto Advocate vs. CarShield: An Overview of each Company

Understanding some basic information about a company can help you to get a feel for how they operate. It also paints a picture of how they might treat you if you become a customer.

Your Auto Advocate and AUL Corporation

Your Auto Advocate was founded in 2020. We specialize in providing a number of solutions to our members to help them secure a great deal on a new car. As a part of our comprehensive tools for car buyers, we also offer vehicle service contracts through our partner company, AUL.

We interviewed many different extended warranty administrators in advance of deciding to work with AUL Corporation. There are a lot of “fly by night” companies out there, and AUL is not one of them.

AUL Corporation has been in business for 31 years. They are fully accredited with the BBB and have an A+ rating. Their BBB rating is 4 out of 5 based on 54 customer reviews, with corporate headquarters in Napa, California.

The reason we chose to work with AUL Corporation is because of their track record in the industry, commitment to customer service, and quality vehicle service contracts.

CarShield

CarShield has been in business for 16 years. They operate out of Missouri. They are not accredited with the BBB and they currently have an F rating through the service. Their customer rating is 1.45 out of a possible 5.

Instead of managing the plans that they sell directly, CarShield sells plans that are managed by third-party companies. At the time of purchase, CarSheild fully discloses which company sells the plan that you’re buying.

Your Auto Advocate vs. CarShield: What Do the Vehicle Service Contracts Cover?

You need to consider two factors when deciding which VSC to purchase: Coverage and cost.

Costs

As we went over in our guide to vehicle service contracts, the cost of a VSC is based on your VIN and the mileage of your vehicle. As such, your cost and quote may be quite different from the quotes that other consumers receive for their vehicle.

You’ll need to request quotes from any prospective company to compare prices. Keep in mind that you may be able to use quotes to negotiate offers from other companies.

Your Auto Advocate promises to always be transparent in our pricing. Currently, our pricing model charges a flat $500 markup on every VSC we sell. If we are required to change our pricing in the future, we will always provide a reason for the change. Our priority is transparency, so we encourage potential customers to reach out if they have any questions.

Your Auto Advocate vehicle service contract
In Your Auto Advocate account you can “self-quote” your VSC

Your Auto Advocate Coverage

Your Auto Advocate’s VSCs are administered by AUL Corporation and are insured by American Bankers Insurance Company of Florida. We interviewed many different VSC administrators in advance of deciding to work with AUL Corporation.

AUL offers a comprehensive selection of coverage options under the umbrella of 15 different plans. These plans range from exclusionary coverage that will cover almost everything on your vehicle to stated coverages that are more hyper specific, along with some customizable levels of coverage.

Here at Your Auto Advocate we sell AUL’s Sentinel brand of products. There are four coverage options we are able to provide:

  • Supreme Plus
  • Supreme
  • Premier
  • Powertrain. 

Supreme Plus is the highest level of coverage that most closely mimics a manufacturer’s new car warranty. Supreme, Premier, and Powertrain are all stated coverages that are more limited in scope. In the spirit of transparency, you can view a sample contract as well as a breakdown of specifically what is and isn’t covered by each level of coverage by logging into your Your Auto Advocate account.

Take note that there is no coverage for issues that relate to abuse, misuse, or neglect. VSCs are intended to protect you from manufacturer defects, not other forms of breakdowns, like forgetting to change your oil or getting into a car accident.  

All of the plans from AUL come with a few notable perks, including:

  • 24/7 roadside assistance with towing
  • Trip interruption coverage of up to $100 per day for up to 3 days
  • Rental car reimbursement

Please note that our VSCs are not currently available to customers in California, Florida, or Massachusetts.

Customers will be able to choose any repair shop that has been certified by ASE or AAA. This includes any local dealerships. Covered repairs will be paid directly to the repair shop. However, repairs must have prior authorization before they begin, and because AUL has long standing relationships with dealers, a service advisor will handle this on your behalf.

A deductible may be applied, depending on the type of plan you choose. As with any VSC, you should be fully aware of the deductible before you sign the contract.

CarShield Coverage

As mentioned above, CarShield’s VSCs are managed by a third-party company. CarShield has arranged all of its plans into six categories, with one of those categories including plans for motorcycles and ATVs. Of the five categories that pertain to cars, coverage ranges from simple powertrain coverage to exclusionary coverage.

Currently, CarShield makes sample contracts available for three policies in each tier. You may view the sample contracts of these policies on their website.

Just like the plans from Your Auto Advocate, there is no coverage for issues related to neglect, abuse, or misuse. Only issues related to any manufacturer’s defects will be covered.

Repairs may be completed at any repair facility that is ASE or AAA-certified. Repairs must be authorized before they begin and they will be paid for directly by the administrator of the VSC.

Some of their plans may come with added benefits, but CarShield does not highlight these benefits on their website. You’ll need to review the contract that they give you to determine if there are any additional benefits available.

Your Auto Advocate vs. CarShield: Exploring Customer Reviews

How can you tell what kind of treatment you might get while filing a claim if you become a customer of one of these companies? One of the best ways to find out is to read customer reviews.

Your Auto Advocate Customer Reviews

When you look at reviews of Your Auto Advocate, many of them surround the solutions that we provide to our members or discuss on our YouTube channel instead of mentioning our VSCs. Because of this, instead of going over Your Auto Advocate reviews, we will highlight AUL customer reviews. Because AUL is managing the VSC, we believe that highlighting their reviews is more pertinent.

Below are some of the reviews that we believe summarize the opinions of the average AUL customers .

Jeff S., 5-star review, BBB site

“Everyone is so nice and listens. I am glad I bought an AUL plan on my Silverado, as things just happen when you least expect them to. Had no issues getting claims paid. It was like money in the bank and no wait for payments. The shop said, ‘You can leave now. It’s taken care of and paid by AUL.’”

Agnes H., 5-star review, BBB site

“I have worked with AUL for over 9 years. They have been professional in all of our communications and proactive in their planning. I highly recommend them as they are a fantastic partner.”

Scott S., 5-star review, BBB site

“Always are quick to answer (no robocalls or operators) and they are understanding of our needs and quickly connect us to the department that I need to speak with. They are a top-notch provider and emphasize customer service as their number one priority.”

CarShield Customer Reviews

CarShield has an F rating with the BBB, due to misleading and confusing advertising practices. Furthermore, CarShield has a current customer rating 1.45 rating out of 5. This rating is composed from a total of 887 customer reviews.

Let’s highlight a few reviews that seem to show the common themes across most of the reviews.

Brian M., 1-star review, BBB site

“Shady business tactics. A salesperson said I could sign up and cancel any time within 30 days for any reason. I went ahead and signed up. I changed my mind 3 days later and called to cancel. They tried to pressure me into staying. I kept saying no. They said they would cancel my policy. Next, I received an email saying I needed to send a letter to request my policy cancellation. I called back and was told I could send an email instead. I sent the email requesting to cancel my policy and received a reply telling me to call customer service. If they are this lousy about keeping their 30-day money-back guarantee, imaging trying to get them to pay a claim. “

D.C., 1-star review, BBB site

“Bought Diamond Plan. Adaptive cruise control went out. They would not cover anything. One rep said it involved the headlight harness so it was not covered; another said they did not cover cruise control.”

Twohouses2, Reddit

“I started using CarShield 6 months ago, and when I went in 3 weeks ago to get the air conditioner fixed….and it was going to cost about $1,000 — CarShield denied my claim because a little hole was not included in the warranty. I had to pay the mechanic $200 to diagnose the problem before he called CarShield and then they said it wasn’t covered! Since this happened, I’ve read other bad things about them…. I’ve paid them $79 a month for 5 months as the monthly charge and was out the $200 for the diagnosis and they will not give me a refund! Not even for the $79 they took out on Sept. 4th. They have never put out any money on my car so they get an extra $395 that was free to them… it’s not right.”

The Battle of Your Auto Advocate vs. CarShield: Who Do We Recommend?

It might come as no surprise that we recommend using the services of AUL via Your Auto Advocate. They have excellent reviews and an A+ rating, while CarShield’s reviews and ratings leave much to be desired.  

We decided to work with AUL thanks to their great customer service, reasonable cost, and excellent plans. Still not sure if a VSC is right for you? Give us a call! Schedule a 15-minute consultation call with us. We’ll be happy to walk you through VSC options, even if you don’t choose ours. Create a free Your Auto Advocate account to schedule your call today.

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