Is It Possible to Buy an Extended Warranty After Your Warranty Expires?

Don’t know what to do when your car’s factory warranty runs out? Fear not, here’s a guide to extended warranties to help you choose the right protection for your car.

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All modern cars are offered with a warranty from the manufacturer’s end which ensures coverage in case a major part of the drivetrain, powertrain, or key electrical system fails unexpectedly within the warranty period. The basic warranty offered by manufacturers can last anywhere between one to five years.

You can also purchase an extended warranty for your vehicle which ensures coverage beyond the manufacturer’s warranty period. Manufacturers offer in-house extended warranty programs but in most cases, the extended warranty needs to be purchased before the factory warranty ends. But what if you want to buy an extended warranty after the fact? Here’s a guide to help you choose the best protection for your vehicle after your factory warranty expires.

What Is An Extended Warranty?

Is It Possible to Buy an Extended Warranty After Your Warranty Expires?
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An extended warranty program is a service contract provided by either the manufacturer or a third-party vendor, that extends the manufacturer’s warranty coverage for the repair or replacement of parts that may break within the warranty period. Buying one usually prolongs the duration of coverage provided by a vehicle’s factory warranty, in certain cases, these plans can be purchased even after the factory warranty runs out.

The average cost of an extended warranty can range between $1,600 to $4,500. There are also deductible charges per visit that usually can go as high as $100. Certain brands do offer Zero-deductible plans but the most important point is that quoted prices aren’t final, there’s always room for negotiation so research and refer to different agencies/providers to get the best possible deal.

All auto manufacturers offer a basic warranty on their products by default that covers repairs to essential parts, These components usually include the engine and transmission for a set number of years or miles which can range anywhere from one year and in some cases up to five years or even higher.

What’s the Difference Between a Powertrain Warranty and Bumper-To-Bumper Warranty?

Is It Possible to Buy an Extended Warranty After Your Warranty Expires?
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What is a Powertrain Warranty?

A powertrain warranty is self-explanatory. Under this type of warranty, only the components that comprise the powertrain have coverage and others parts, no matter how closely related, will not be covered under this warranty program. Meanwhile, a bumper-to-bumper warranty 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, so make you go over the terms and conditions.
A powertrain warranty will more often than not, explicitly mention the specific components that are covered but that might not be the case with a bumper-to-bumper warranty.

What is a Bumper-to-Bumper Warranty?

A bumper-to-bumper warranty will include a list of exclusions which usually include the list of 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.

What is the Difference Between Car Warranty Inclusive and an Exclusive Warranty?

Is It Possible to Buy an Extended Warranty After Your Warranty Expires?
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All warranties can be broadly classified under two broad categories, inclusive and exclusive.

What is an Inclusive Car Warranty?

An inclusive warranty is a service contract that explicitly mentions the kind of coverage and all the parts covered under the plan, hence negating any form of confusion. A good example would be most powertrain warranties in the market.

What is an Exclusive Car Warranty?

An exclusive warranty on the other hand is a service contract that explicitly mentions all the components that are not covered by the warranty provider. Most bumper-to-bumper plans can be covered in this category as they tend to mention the components that aren’t a part of the coverage.

Which is Better?

In any case, we urge you to go through the terms of your warranty to know exactly what’s covered and what’s left out by the provider before purchasing a warranty to avoid any nasty surprises.

Can You Purchase An Extended Warranty After Your Warranty Expires?

Is It Possible to Buy an Extended Warranty After Your Warranty Expires?
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Yes, you can always purchase an extended warranty after your manufacturer’s warranty ends. Though most modern automakers have a clause that requires car owners to enroll in an extended warranty program before the manufacturer’s warranty program ends.

If you insist on having an extended warranty from the manufacturer, we suggest enrolling for one right before the end of your factory warranty coverage to ensure that there isn’t a gap in your coverage. You can always buy an extended warranty when you purchase the vehicle but this means you’ll end up paying interest on a warranty that you won’t be able to claim in the near future. However, if it is a bundled deal that allows for extra savings, then go for it.

However, if you want to have the option of opting for an extended warranty at any point, then a third-party extended warranty is the way to go. Most companies will offer you coverage at any point in your ownership and even provide extended warranties on a used car, as long as your vehicle lies within the guidelines of the company. One of the best options is CarShield.

CarShield Extended Warranties

Is It Possible to Buy an Extended Warranty After Your Warranty Expires?
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CarShield is one of the top warranty providers in the industry that offers some of the most affordable packages and most importantly covers all vehicles with less than 300,000 miles on the odometer which is a huge plus for anyone who wants to buy an extended warranty at a later stage in their ownership. With monthly contracts starting from as low as $89 and discounts on multi-car coverage, CarShield truly is a value for money proposition. Other key benefits offered by them include:

  • 24/7 roadside assistance
  • Rental car reimbursement
  • Towing
  • Your choice of any ASE-licensed repair shop
  • User-friendly app

CarShield offers a comprehensive set of plans that caters to a wide variety of audiences that spans a wide price bracket.

CarShield Plans What It Covers
Diamond An exclusionary plan comparable to a factory warranty, with exclusions including wear items, belts, and hoses
Platinum An inclusionary plan that includes coverage for the engine, transmission, cooling system, steering, and more
Gold Offers enhanced powertrain protection and covers the alternator, engine, drive axle, and more
Silver A basic powertrain plan that covers the drive axle, transmission, water pump, and all lubricated engine parts
Aluminum Designed for luxury vehicles with complex electronic systems and covers power seat controls, GPS, sensors, and more
Motorcycle & ATV Coverage tailored to drivers with motorcycles and/or ATVs

What Are The Top Extended Car Warranty Providers?

Is It Possible to Buy an Extended Warranty After Your Warranty Expires?
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When it comes to third-party warranty providers, we strongly recommend getting in touch with them to try and get the best deal since most of them will offer you a discount over the quoted price if you ask for one. Olive and Endurance are some of the best third-party warranty providers that offer the option of transferring ownership. Here’s a brief review of these providers:


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.


Olive is one of the newest players in the business, apart from extended warranty plans, it also offers mechanical breakdown insurance in California. It has also secured some of the best consumer ratings courtesy of its top-notch service and a wide range of plans that deliver timely resolution of claims.


They offer 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.


They offer 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.

Bhavik Sreenath
Bhavik Sreenath
A keen automotive enthusiast with a love for anything with engines. He loves discovering the world of cars and technology to explore new boundaries in the field of modern-day journalism.  Read full bio
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