Having become an expert on extended warranties, I figured it was a good idea to get one for my 2000 Buick Century. I want to at least get another year or two of use out of it… even if I do buy a new car sooner.
For awhile, I’ve been in the market for an extended warranty for my car. Over the past couple of months, I wound up with a $1,000 total set of repair bills. That’s more than two monthly payments on a new car. Three if I went for a cheap new car.
As a consumer advocate, I’m very cautious towards U.S. Fidelis. Their executives have a shady past, and worse, the company promises the world in their ads. If it sounds too good to be true…
I called U.S. Fidelis first. The quote they gave me was around $1,000 for two years and around 50,000 miles of coverage. Powertrain-only coverage. I was told my 2000 model year car was too old for any other plan.
Then the high-pressure tactics rolled in. I was told that if I didn’t buy the warranty today, that I would be subjected to a mandatory inspection. In follow-up sales calls, I was told this was “incorrect and a miscommunication”. Yeah, right; it was a scare tactic. Actually, I would prefer a free car inspection, then there would be no disputing a breakdown later. When I asked further questions and expressed concerns (as I’ll go into below) about the underwriter… I was hung up on by US Fidelis.
Multiple other companies gave me the same plan. So, I decided to look into the underwriter. I check for an AM Best rating, couldn’t find any. Also couldn’t find this “magical second underwriter” that was supposed to back them in case they went under. All I could find was a PO Box and a telephone number. No corporate web site (not uncommon with middlemen insurers), but the lack of an AM Best rating is unacceptable. Do not buy a vehicle warranty policy unless you can personally verify the current AM Best rating of their underwater. Do not rely on a salesman to give you this info, it’s just as easy to lie and say “A-”.
The lack of an AM Best rating indicates a shady underwriter. It does not guarantee that the underwriter will/won’t go under, but an unrated insurer is a major red flag.
I decided to go with Warranty Direct and was presented with several options. I chose the mid-range (Standard MBI) plan, which added electrics, brakes, and other non-powertrain items. It cost $722 for one year of coverage or 20,000 miles. I tend to put that many miles per year on a car, so that works. Oh, and a $200 deductible.
And yes, the plan I had was underwritten by a company with a real A- rating from AM Best. This plan is actually realistic too, the amount of coverage doesn’t have that “way too good to be true” tinge to it.
In addition, I paid $30 for a rider that covers when a non-covered part breaks a covered part. I did not chose to pay for the opposite; when a covered part breaks a non-covered part. I figured that a non-covered part breaking a covered part is an easy excuse for a claims administrator, and that it would be much harder to show that a covered part was responsible for a non-covered part’s failure (or rather, that it would be hard to get them to admit it). Another option was for a $50 rider for emissions coverage, but I passed on it. It didn’t cover the most expensive emissions-related items (like the catalytic converter, something quite prone to failure on middle-aged-to-older cars).
Mostly I grabbed this plan so that I didn’t have to negotiate with car repairmen. I’ve been in very high-pressure environments, where it basically broke down to the repairman lying to inflate a bill. I had to dispute credit card charges, and even with written proof that I was lied to… it took months to get the charges reversed.
I’ve seen extended warranty negotiations, and well, it’s a lot more civil. The repairman knows that the claims administrator has access to average repair rates (a la RepairPal), and is basically clinical. Either the repairman accepts the rate, or the warranty provider tells the car owner to go to another repair facility. There’s no impression that you’re a dumb consumer and can be charged a “little extra” because of it.
Now it doesn’t mater if something short circuits, or if the transmission blows… I’m only out $200, plus $62 per month. Theoretically.
We’ll see if it actually works out that way. Bottom line: US Fidelis is on my no-no list, Warranty Direct is on my hopeful list.
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One final thing I should note, that I omitted in the original article. All of these extended warranties have a cap on their value. So, while you hear in the TV ads that they’ll “replace your transmission for free…” they really mean that they’ll “pay you for the car if it’s worth less than the transmission job.”
So, be sure to ask your warranty provider how the value of your car is determined. Most will use either NADA or KBB, but often you’ll find yourself fighting over which value is the “true” value (fair condition versus good condition, etc).
Great information as we are thinking of giving our son an extended warranty on his 1999 audi a6 that he wants to keep for a few more years. I did notice in reading Direct warranty about the limit of liability based on car value. I guess that is to be expected but I had not thought to think of that before…
Very helpful, thanks again.
Yeap, great information indeed. I got an initial quote from Fidelis and was told I had to take it that day also. I just don’t work like that. Salesmen kept calling me. That only stopped when I told him that I sold the car.
I haven’t researched it yet but my Triple A (AAA) magazine came yesterday and it appears that they offer an extended warrenty insurance plan. Now there’s a nationally known company that’s been around and has an acceptable reputation (hopefully).
AAA Extended Warranties are serviced by a third-party. They aren’t sold in all regions (like mine), so I can’t give a lot of info on who’s providing them. When I search my local AAA region’s web site, their server crashes.
Why the AAA that services Silicon Valley, has such a broken site (based on an ancient version of WebObjects) is beyond me. It gives WO such a bad name…
Thank for warning. I never known about it.
That was the best information I have gotten since I started this process. Thanks a lot.
I have been looking around for an extended warranty also. I contacted US Fidelis first due to the large amount of commercials I see on TV. They keep calling, I found their BBB.org rating is F due to the large amount of complaints resolved and unresolved they have had. I am looking into Warranty Direct right now, thanks.
I also saw the US Fidelis ads on TV and saw the negative reviews on the web. Mogi is another one promising the world. Not much good about them on the web. Warranty direct will cover my car with 70,000, but do they dump me as a customer when I reach 100,000? Do all of these warranty places make you get an inspection?
Very few warranty providers require an inspection. As I said in the article, I would prefer if they offered a free inspection (even if that means a higher cost). Warranty providers love to blame defects (especially early in the coverage period) on pre-existing conditions. Ask the healthcare industry how that’s going.
Warranty Direct did not offer, nor provide, an inspection. The contract says they can require one at their choosing.
As to your question on mileage, most warranty providers state the coverage period in addition to what miles are already on your car. But, read the fine print and see for yourself.
I spoke with a salesman at Warranty Direct as well. When I asked about an inspection he said that they can do one at your request (and you pay the cost) but it takes about 2 weeks to set up. Otherwise it’s the usual 30 days/1000 miles. I also asked about the “pre-existing” deal…he said that after the 30-day/1000 miles, anything that happens is on them as long as it’s covered. At least that’s what the sales person said.
Also, if you are looking to buy a warranty, be sure it covers wear and tear as well as mechanical breakdown. Many older cars are more likely to have wear and tear issues…or if a part fails “on the road” a warranty company might say that it was because of wear and tear and not cover it.
Here are some other questions to be sure to ask:
Is the warranty transferable when you sell?
Is the deductible “per visit” or “per part repaired”?
Does it cover overheating? Many do not cover overheating of any sort.
Does it cover a rental car if your car is in the shop for more than a day?
Do they offer roadside assistance or pay for towing?
Do they pay the repair shop directly or do they pay you back?
Can you take your car to any certified repair shop?
The advice on researching the warranty carrier or underwriter is very good…I was comparing a warranty with Warranty Direct just this morning and while the coverage looks good as does the price…when I looked up the warranty provider (Vemeco, Inc) I found many customer complaints.
For the truth about US Fidelis you should visit http://www.rustywallace.us there you will find tested suggestions that work on how to get your money back.
Post these links in as many blogs and websites as you can and on wikapedia. Another great website is http://www.usfidelissucks.com The more links to these sites the more people will be warned.
There are two types auto Extended Warranties, The ones provided by car manufacturers and others that are backed by a third party. There are no valid third party extended warranty program at any dealership or the Internet where you get pestered with junk mail about auto warranties, on the subject about email warranties offered, have you ever noticed that not one of these type warranties are offered by a manufacturer ?
After 35 years in the auto industry ” now retired ” having sold thousands of warranties I must confess I am not proud of my accomplishments, but I had to provide income for my family best I could. Yes salespeople and the finance office are compensated very generously as most warranties are marked up from 80% to 120%
When I first build a hobby website teaching consumers how to buy a vehicle I had affiliates such as Smart Auto Warranty, and yes I also recommended Warranty Direct for about 2 years, and got $100. for every buyer that signed up through my website, But to many complaints came back to hunt me about 3th party warranties, I came to realize I was pulling the wool over people’s eyes that trusted my website content, saying to myself, why am I doing this, I am retired and vey financially secure.
I note in this thread I am replying to, you got Google Ads, Google ads are great for adding supplement contents to any link. I stopped having google ads for the simple reason my contents on third party warranties was telling buyers to stay away, and at same time Google is promoting them, the same also applied to Public Auctions, here I was telling consumers to stay away, while google are promoting Auction sites.
.Here are some excerpts from my website http://www.usedcartips.org/
Would i personally consider buying an extended auto warranty
1, Yes, only if warranty is provided by the car manufacturer, under no circumstances would I consider buying a third party warranty
2, The warranty cost from a dealer in most cases are negotiable, if you pass the first offer, chances are excellent that a discounted price will be offered prior to taking delivery of vehicle.
3, There are different levels of warranties and cost factors, many consumers buy a warranty, file it away, without reading the contract, figuring whatever issues arise it’s covered, when in fact it may not be.
4, Buying an extended warranty for a brand new vehicle ? Most vehicle’s have 5 years warranty or more to start with, if you firmly believe you will still be happy with vehicle after Mfg’s warranty expire or your lifestyle will not have changed, go ahead let the dealer make a score. Personally thinking 5 years is a long time ” no thanks ” I pass
5, Buying an extended warranty for a used car I recommend only if the provider is the manufacturer of that make.
Surfers Beware “Fair Information Practices buying an Extended Warranty
You been surfing for answers automotive related, whom are the best third party warranty providers ? you will not find the answer on my website, simple reason there are none. You will find on this website affiliates by choice such as new car quotes, auto Insurance, vehicle history, a very few considered my best choices for value.
The site is not inteded to plant a hook for you to buy products ” read my biography ” I could promote a third party warranty company and make profit should you persue the link, but that’s not my game. I really consider this as hobby site, not a profit site.
One of the leading sites about buying car tips in today’s market is also the best polished scammer on the Internet http://www.carbuyingtips.com/ buying an extended warranty, getting a loan or car quote, repeatedly there will be highlited links in royal blue for you to persue, that leads to affiliate profit I don’t have a problem with that except it’s overdone misrepresentation for personal gain, I note some valid links that I agree with, but very few at best.
I must add, If consumers want a third party warranty, then Warranty Direct came out on top by a mile.
Thanks for all the thoughtful comments. My husband is bombarded with all these shyster ads all day long on XM radio. When he wants to act on them it becomes a part time job for me to justify that queasy feeling in my gut.
This was succinct while including relevant details and rational.
I was thinking about getting warranty from Warranty Direct for my 2005 Porsche 911 but after reading all these complaints from consumers at ripoffreport.com now I am turning away from Warranty Direct.
http://www.ripoffreport.com/Search/Warranty-Direct.aspx
A lot of those reports seem to stem from insurance companies that have gone under, or are state-owned. This is why I say it is critical to check the AM Best rating of the underlying insurer… by yourself.
Can anyone tell me if I must purchase my extended warranty BEFORE the manufacturer warranty expires? Or if letting the date lapse will incurr higher rates to purchase the extended warranty? I’m getting conflicting information from all sides (of course the dealer says it will increase my rate substantially if I wait till after the expiration date). What about the ‘delivery date’ of the car? I understand this is the date the car was originally purchased and the effective start date of the original manufacturer warranty – thus indicating when the manufacturer warranty expires. Does anyone have any info on how the delivery date comes into play? Thanks!
Re, Can anyone tell me if I must purchase my extended warranty BEFORE the manufacturer warranty expires?
The dealer’s statement is correct, in most cases there will be an increase in rates if you purchase after current expiry date.
A warrant is measured from the in service date not delivery date ” example ” a vehicle may have been registered at a prior date to delivery date.
A warranty will expire by date if within miles allowed or expire when set miles allowed are reached ” which ever occurs first “
It depends on the warranty provider, you have to ask them. Typically, most car warranty providers simply charge a higher rate if your car is outside of manufacturer warranty.
I was surprised you did not review or evaluate https://www.warrantyelite.com . They are one of the highest rated companies in the industry. They are backed by an A rated insurance company and the same policy is sold by thousands of dealers and financial institutions. Their prices are on average better than warranty direct and the coverage is superior. Warranty Elite is the only company in the industry that allows you to get a price quote online without having to enter any personal information.
actually I got a quote from wholesalewarrantyclub.com without putting in any info as well. I’ll check out warrantyelite.com though.
Good info- got an offer from GM itself for an ext. warranty with best price prior to 1yr old or 12k miles. WarrantyDirect theoretically covers more and costs a bit less, but am quite hesitant considering the other posts. I have purchased warranties for a couple used cars in the past…from Allstate Insurance Company- their parts and labor policy. They used to give quotes on-line, think one needs to contact directly nowadays. Good coverage and it paid for itself in my case.
thank you for the information.I have a question i would like to get a warranty on my Oldsmoble Alero 1999 i paid about $5,000 in repairs since i’ve had the car.My car also has 112,000 miles on it is my car too old for a extended warranty ?My scenrio is that i’m s single mother of 2 and can’t afford to buy a new car either so will someone insure my can?
Unless your car is a collectible/vintage, extended warranty offerings generally lapse after 100,000 miles and/or 10 years. I seriously doubt anyone will offer a warranty for your Alero at this point.
I bought a new 2010 Toyota Tacoma. Shopped for an extended warranty. Compared Warranty Direct, Carchekx and one other. Warranty Direct had a 1 day(3-8-10) $500.00 discount off of the original quote($1315.00). I bought an 8 year/85000mi extended warranty(bumper to bumper) for $815.00. In the meantime Carchekx continued to call and email me but at a quote of $1500/yr for the same coverage.. When I told them that I had decided to go with Warranty Direct they said “good luck”, but “have you considered that companies don’t give discounts unless they may be in financial trouble and ready to go under”. Made me sorry that I ever contacted Carchekx in the first place. Sleazy way to say “good luck”
I had called carchex my self found the way they talk everyone is very sleazy.
Just tried warranty elite to get a quote, if you live in the state of Florida like myself you are SOL. They don’t have coverage for Floridians. I called when the online quote failed and that’s what the sales rep told me.
Y IS THIS CALLED STAY AWAY FROM US FIDELIS WHEN U SAID OTHER COMPANIES DID THE SAME THING
To tamaroh: Yes, you can get a warranty for that old Alero. My brother also has an alero and it has given him issues also. He now has 127,000 miles on it. I suggest you look deeply into Warrantydirect.com. You can do it by only paying 83 dollars a month also!!!! There will finance you with a 0% interest. No joke. Call them, look it up on their main website. I have them for my 99 chevy prizm with 106,000 miles on it.
To the person who posted about that ripoff report at http://www.ripoffreport.com/Search/Warranty-Direct.aspx
You are pure silly to trust this report. WARRANTY WILL NEVER COVER YOU IF YOU FORGET AN OIL CHANGE!! That is simple logic… This person did miss an oil change and now whines about it????? unbelievable….My question I would like to ask this person who wrote this story on ripoffreport.com is What type of service records did they want other than the oil changes??? because they will also want you to perform the regular service as recommended by chevy/ford/etc.
Let’s get smart and logical. I think Ray makes some excellent points in this forum also!
TO THOSE WHO ARE THINKING ABOUT WARRANTY DIRECT: STAY AWAY!!!
I just had to use my extended warranty from Warranty Direct on my 2004 C230. It has been a NIGHTMARE from the very beginning.
First of all, when you call the claims department, you will be put on hold forever. Expect at least 15 to 25 minutes holding for help. Mechanics don’t normally have the time or the patience, so that makes it very difficult when they have to get an authorization to start working on your car.
Then, expect an itemized haggling of your mechanic’s list of repairs. My repair went from $800 estimated to $425 actually covered.
Then, the rental. Yes, it’s supposed to be covered and when it goes over $400 you are entitled to 3 days of rental. Well, the nasty woman who got my call told me literally “we only cover 1 day for 4.5 hours of labor”. All of a sudden, we were talking hours of labor, although my contract doesn’t mention that anywhere. I had to send them A SCAN OF MY CONTRACT! After that she said “3 days of rental for 4.5 hours of labor? Like that’s going to happen.”
After that call, I was instructed that Enterprise would have to call them. When they did, and after 20 minutes on hold, they finally said that the car shop had been authorized to rent the car for me, so the car shop should have the car ready for me. That was bullshit, since they never spoke to the car shop, as I found out later. When I called again to complain about that, a guy who said to have personally authorized the rental blamed it on the car shop again…
Anyway, I don’t want to bore you any longer with this pathetic story, but my point is this: out of $800 they paid only $400 and I’m still waiting for the rental money.
Warranty Direct was a horrible choice. I don;t know how the others are. Maybe, as a gentleman said, there are no good extended warranties, but this company and these people were nasty, liars and incredibly difficult to deal with.
STAY AWAY from Warranty Direct!!! I would NEVER recommend using Warrany Direct. Their service is a joke and so is their affiliation with the Better Business Bureau. I filed a complaint with the BBB and got absolutely no satisfaction. DON”T WASTE YOUR MONEY!!!
I am considering extending warranty on a 2007 hybrid car I just bought with 30K miles on it. Normally, I would never consider an extended warranty since I trust Toyota (I think) but since it’s a hybrid and lots of electronics with NAV, I”m nervous. I plan to keep it a long time, need a warranty. If Paul is still out there (the ex salesman), PLEASE give me some tips on negotiating the price with the dealership! I was considering Warranty direct but not after reading all this! When I tried to go to the warrantyelite.com website, my browser would not let me go there…said “untrusted site” and some other not so encouraging verbiage. So much for that! Need negotiation tips! Thanks.
RaLene, your best bet for satisfaction is your state’s insurance commissioner, and forcing Warranty Direct into binding arbitration, as mandated by the contract.
Re: Patty considering extending warranty on a 2007 hybrid car.
Did you buy the vehicle from a Toyota dealer ?
Personally if I was in your shoes an extended warranty is totally out of the question from a 3th party provider, and that includes warrantyelite.com… the warranty you want to negotiate for best price ” is that a Toyota warranty issued by Toyota ? ” provide an answer, and I will tell you how to negotiate the price.
Hybrid warranty components with Toyota is 8 yr. / 100,000 mi from in service date, so I would not buy a warranty at this time if my fear was based on vehicle being a hybrid.
What is the in service date on your vehicle ?
Ray, thanks so much for getting back to me! Yes, bought from toyota dealer and will be speaking with the finance MANAGER today on his warranty offer so please give me tips to negotiate the lowest rate possible! In service date was April 2007. It is my understanding that the 8 yr/100K is for the hybrid “battery” only and not the other components like the part that switches back and forth from battery to engine…it’s about $7K to replace if it goes out. Also, the NAV and all those electrical components concern me as they are integrated in with the hybrid operation. powertrain is 5 yr/ 60K. Thanks for helping me to rule out the third party….but I do have a quote from warrantydirect which I plan to use in negotiation but not sure how to without offending the finance manager. ??? Patty
Peace of mind is getting a Toyota warranty, you will have options as for level type warranty you want, I suggest you read all the fine print what is covered and sleep on it overnight.
As for negotiations about price your at the mercy of the business manager,,, Well not quite,,, whatever Toyota warranty you decide on, you could phone another or several Toyota store’s and ask to speak to the finance/business office, tell them the selected warranty you’re interested in, and let them quote you,,, you may encounter an inspection is needed prior to a warranty program or a time frame before warranty become effective if you decide to buy from the non selling dealer.
I fully agree the business office is entitled to a fair profit but without you getting gauged, here is a link on my website that will explain how the Finance/ Businees deal with consumers http://www.usedcartips.org/ANYWARRANTY.html
THANKS!
I have a bumper to bumper warranty with Warranty Direct that was not cheap and I never used or made a claim on until now! When I took it to a national GM dealership because I thought the starter was going and the transmition had been slipping,the dealership found that it was not my starter and just my battery, but the story really starts here, the dealership found through a road test and a computerized test that there was something definitely wrong with my transmission. Then my service rep called Warranty Direct they said yes they do cover transmissions but I have to approve $900 more in diagonistics so they can find out what is really wrong before they will approve the claim. After this was done they found that there was clutch material in my transmission fluid and the dealership said this was due to leaky seals so Warranty Direct sent out an adjuster and when they did he came out and took pictures of everything and agreed with the dealership that there was something wrong and it needed to be replaced. But then when he sent his report back to Warranty Direct it somehow changed to “he found nothing wrong with the transmission”! When I asked Warranty Direct to send me a copy of his findings they responded “we can’t send that to you” I asked “why not” the lady on the phone responded “uh, uh, we just dont”! They just kept giving me the run around everyone that you speak to has a different reason why they would not cover the repair. One supervisor even told my service rep “there is abnormal clutch material but its still not enough reason for us to cover this claim”! Warranty Direct said that I could send out another adjuster for just an additional $90 as if they would not alter his findings as they did the last adjuster. DO NOT EVER DO BUSINESS WITH WARRANTY DIRECT!!!!!! You will never get any staight answers out of them, they will never put anyone on the phone with any authority and ability to make any decisions!! They want you to wait until your car stops working and you are stuck on the road and put yourself in danger before they will consider honoring the warranty.
Jimmy,,, Having answered thousand of questions in various forums through the years, my personal findings I must admit the only true happy consumers that purchased a warranty from a 3th party service provider are the one’s that never ended up having an issue, with that said, without going into a song and dance, Warranty Direct are still the best 3th party provider compared to others.
Would I purchase a warranty ? yes only if issued by the manufacturer ” here is how I would approch should I want to purchase a vehicle warranty.
1,,, If I was buying a vehicle ” example ” Pontiac ” from a GM dealer franchise, and the Pontiac qualify within model year and miles for coverage for a GM warraty I would purchase, but would not consider ANY OTHER warranty offered by the dealership finance office should vehicle not qualify for a GM warranty.
2,,, If I purchased the Pontiac at any other store than a GM store I would not consider buying a warranty, sure the business/finance office will tell me their warranty covers GM, but it’s still not a direct warranty from GM which can only be obtained through a GM store in most cases.
3,,, If the Pontiac was purchased from a source other than a GM dealership, Phone a few GM stores and ask for the business/finance manager to get quotes for a warranty, they will be more than happy to accommodate you, however some restrictions may apply, such as, an inspection of vehicle by dealership or a time frame before warranty will become valid.
SUMMARY,,, any vehicle you purchase simply phone a franchise dealer that sell that brand, you will have eliminated 3th party warranty’s and obtained the best warranty for your vehicle that is available.
Ray, thanks again for your tips. I am still in negotiation with toyota on the extended warranty for my vehicle but it looks like I am going to get a much, much better deal than what they offered me the day I bought the car in the finance office. I have two dealerships working for my business at the moment so we’ll see who will win! I have finally ruled out Warranty Direct thanks to all the comments and working on with the toyota dealer for the toyota warranty. Thanks again.
Christopher, I see nothing recent here, but we are seen ads for Auto Assure, whom I ‘ve contacted. They offered 5 year 100k miles for $2751 ($12,00 max coverage) on my1997 Lincoln Towncar. The actual plan would be with Interstate Deluxe.The car is in great shape with less than 94k miles. When I just paid a bunch to get the air suspension repaired (the air bag things had dry rotted from age) our repair man suggested I get an extended warranty due to the car’s age. I know a transmission or A/C replacement would cost a lot, but I’m going crazy trying to decide on a company. Every one I research has complaints. One company said because my cost would be so much more here in Fla. that I could use my sister’s address in another state in order to get a cheaper plan. have you had any claims yet for Warranty Direct?
well I just bought a 3yr/50,000 mile warranty last night from warranty direct…I was very scared and did a lot of homework…I also checked them out with the BBB nad they do have an A+ which makes me feel better!!! I asked lots of questions and yes they are sales people but I felt ok about it in the end. Yes you do have to take very good care of your car with having it serviced if you don’t do that then NO they may not cover your issues..this is for things that happen when you are a person who does it ALL right but still issues happen. I am going to believe in this company and do it all by the book..if I have any issues I will let you all know…I hope I don’t!!! I work in the rental world and I know that people who write bad reviews are usally the ones at fault so I am going to give them a break and trust they will not screw me!!!
Re,,, Anna April 28th post.
I wish for you never having to make a claim, that way I know you will have joined many other satisfied customers,,, please bookmark this thread just in case a claim, so you can post hopefully happy results.
PS,,, Would you mind sharing type of vehicle – year – model – present miles,,, and cost of warranty
Ray – I have a 2005 mini convertible that I bought used in November 2009. It only has about 35000 miles on it and we drive it very little maybe 5k per year. will mini sell me a warranty? I know that if I bought a used mini from them they would so I was just wondering. I was getting sold a warranty today from warranty direct for 4 years 49k miles for 3300 bucks with a $100 deductible. It appears that all 3rd party are hard to deal with and I do not want to drop 3k and have problems. Suggestions? Should I just call mini dealership and ask if they will sell one to me? I live 275 miles from closest dealership so I was wondering how that would work. I know that if one thing goes wrong with the convertible top I can be looking at an easy 5k.
Thanks.
Re,,, 2005 mini – $3300. plus tax and $100. deductible,,, Please you’re looking at close to 4G ,,, and you’re worry is to save $1000. if the convertible top goes ?
With any 2005 model the type warranty’s that’s available, my answer is no,,, if you negotiate a warranty with anybody, please don’t commit, post the details right here, and let me check it out.
I am scared to death right now. I need a warranty on my 2004 VW Touareg, I keep being told to use Warranty direct or warranty solutions and neither of which I know anything about. I just know that I wont be able to afford the repairs if my SUV breaks down. Is it even possible to get a warranty from the dealer if I bought it used?
Scared to death ” lol ” great introudction.
Your vehicle don’t qualify for a backed VW warranty, that leaves you with 3th party, and if you have read all the comments in this thread I would give the notch to don’t invest.
You can’t afford the repair bills if your car breaks down ??? but you can afford to buy a warranty $1000 to $3000 range that will most likely be loaded with exclusions in the service contract to not cover anyways.
Summary, you got an excellent choice of vehicle and some real major breakdown would have to occur to have secured your investment especially with a third party.
Well when I say I cant afford repairs I mean like 2k or 3k at one time where with the warranty I pay monthly. I truly understand what you are saying and will just save that money I would pay monthly in the bank and hope for the best.
Thank you so much for your response.
I just cancelled a policy with AutoAssure after a lot of agonizing over the decision. I have an ’06 Ford 500 and I got the policy last month when the car had just under 150,000 miles on it. I am just too nervous about them having some excuse to not cover it down the road…I am going to sock that money in the bank each month instead.