How to Check if my Car Has an Extended Warranty
In this article, we look at the easiest ways to check extended warranty related details of your vehicleby Bhavik Sreenath, on LISTEN 09:09
Warranties come in all shapes and sizes. Most people are only aware of the factory-provided bumper-to-bumper warranty which lasts anywhere from one to five years. But there are types of warranties like a powertrain warranty which can last up to ten years and 100,000 miles. Even used cars and certified pre-owned cars (CPOs) can come with warranties. So how do you check for one? In this article, we look at how to check your car’s factory and extended warranty.
How Can I Find Out If I Have an Extended Warranty?
How to Check an Extended Warranty contract?
The easiest way to find details related to your warranty is by going through the official paperwork that you received at the time of purchase. It should not only include the factory warranty details but also details of your extended warranty used vehicle service contract.
In case you have misplaced your documentation, contact your dealer. After sharing a few details about your vehicle, they should be able to take information from company records and tell you all the details of the factory warranty as well as your extended warranty plan.
How to Check Extended Warranty Online Using VIN?
If you have opted for a factory extended warranty program, then you can also use the manufacturer’s official web portal to verify and check the details of your extended warranty. For starters, you will need to locate the Vehicle Identification Number (VIN) which is unique to every single vehicle and is used by the manufacturer to keep track of every single vehicle manufactured by them. A VIN is located on a plaque that is placed either under the windshield or under the hood. Alternatively, you can find it on the vehicle’s registration documentation.
Once you have found the VIN, you can visit your manufacturer’s portal where you’ll be asked to fill in the VIN along with some other details like contact info after which you should be provided with a detailed report of your vehicle including details of your factory extended warranty. Here you’ll be able to check the remaining duration of your coverage and even details of any claims that you might have made in the past.
How To Check with your Extended Warranty with the Financing Company?
If you financed your car, then your financing company can come in handy to help you with your extended warranty-related quarries. Just like a dealership, your finance company also keeps a detailed record of your purchase which includes all the details of your vehicle including details of your extended warranty. So you can reach out to them and ask for details of your extended warranty and even factory warranty.
How to Check with your Extended Warranty provider?
If you have purchased a third-party warranty, then your warranty provider is the best point of contact. They can help you clarify all the details of your extended warranty plan and will even guide you to your nearest workshop and help you initiate a claim if necessary.
How Long Does A Bumper To Bumper Warranty Last?
A bumper-to-bumper warranty is a type of exclusive warranty that will explicitly mention all the components that are not covered by the warranty provider. A bumper-to-bumper warranty can last between one and five years and the milage cap on such warranties is 36,000 miles on average.
In most cases, it covers almost every component that isn’t a part of the powertrain. The coverage offered by a bumper-to-bumper warranty plan however can vary from provider to provider.
The list of exclusions in a bumper-to-bumper warranty usually includes the items that are subject to wear and tear, such as tires, brake pads, and windshield wipers, and routine maintenance like oil changes and tire rotations, though it is recommended to read the terms of the policy as these components and the kind of coverage often differs from provider to provider.
How Long Does A Powertrain Warranty Last?
A powertrain warranty is a type of inclusive warranty that covers a comprehensive list of components which include the engine, drivetrain, and transmission, unlike a drivetrain warranty which only covers the drivetrain.
Powertrain warranties last for five years and 60,000 miles on average. In most cases, manufacturers and warranty providers give longer coverage to the powertrain when compared to other forms of warranties. In some cases, manufacturers cover the powertrain for ten years and 100,000 miles.
In common practice, powertrain and drivetrain warranties mean the same thing, since the drivetrain is part of the powertrain. A drivetrain is a collection of components that are responsible for delivering power to the driving wheels and these include the torque converter, propeller shaft, U-joint, rear-axle, spool, and the differential of which there can be more than one depending on the vehicle. Most factory warranties include the engine in this level of coverage, which makes them powertrain warranties.
What Should You Do If you Don’t Have an Extended Car Warranty?
We recommend you get yourself an extended warranty. You can get an extended warranty from either the manufacturer or from a third-party vendor.
All established auto manufacturers offer extended warranty programs and they insist their plans are the best suited for the vehicle and promise to offer a hassle-free experience when you do run into a problem. They can also be added at the time of purchase making it the least cumbersome option when it comes to extended warranties however you will end up paying interest on it if you go for any form of financing at the time of purchase. So consider a manufacturer plan in cases where you plan to pay for your car upfront.
Third-party warranty providers just like any other policy tend to make their plans more attractive, at least on paper, by offering added benefits such as the convenience of choosing your preferred repair shop, affordable plans with flexible payment options, the ability to opt-in even after the manufacturer’s factory warranty runs and more which isn’t something that a manufacturer cannot match by design. However, processing claims and tying up with your local repair shops might not be as seamless an experience as the one offered by a dealership. So consider a third-party warranty only after studying the claim process and speak to your nearest repair shop for the best possible results.
What Are the Best Extended Car Warranty Companies?
Uproar is based out of Seattle, Washington, but it’s not like any other extended car warranty company out there. Uproar bills itself as an innovator, which makes a lot of sense considering it’s the first extended warranty company to offer a 100-percent digital, subscription-based experience. The main highlights of uproar include an instant quote and signup online, same-day coverage, no long-term commitments, transparency, and no aggressive salespeople or robocalls. They are BBB accredited and have five-star ratings from both Google and Consumer Affairs.
Endurance offers Coverage for cars up to 20 years old which makes it ideal for used car owners. They offer hassle-free inspection after which the claim can be filed, making the entire process foolproof and they aim to ensure that you don’t miss minor details which might cause you trouble in the future. They also offer membership benefits which add to the whole customer experience and help them secure the top spot.
Another established player with over two decades of experience, CARCHEX offers coverage for cars with up to 250,000 miles which makes them a great choice for people who plan to purchase a warranty for their heavily used vehicles. They offer a wide range of policies some of which offer industry-leading claim filing processes. With an A+ rating from the Better Business Bureau, CARCHEX should be on your list when shopping for an extended warranty.
Protect My Car is one of the top consumer-rated warranty providers in the business backed by high BBB. They offer combo plans that include maintenance packages along with the added warranty and even go the extra mile by offering services like Oil changes and tire rotation for added convenience. Coverage for older vehicles and long-term payment options are other highlights that make Protect My Car one of our top picks.
Are Extended Warranties worth it?
All new cars come with a manufacturer’s warranty, however, they don’t cover repairs of all types for instance electrical components or failure with wiring aren’t always covered because a basic manufacturer warranty is designed to cover only basic mechanical components which usually include engine and transmission. This is where extended auto warranty services come in as the savior. Designed to cater to such scenarios and offer coverage for complex components extended warranty programs, both manufacturer and the third party, offer added peace of mind and come with a range of benefits. You might never need one, but as the age-old saying goes, better safe than sorry, and an extended warranty is the safer option.