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.
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 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 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.