CarShield Car Warranty

CarShield is a brokerage specializing in automotive service contracts, often referred to as extended car warranties or service plans. While car dealers sell new vehicles with a warranty, CarShield’s plans are purchased separately to extend your car’s warranty.

CarShield works with several automotive service contract providers so you can compare multiple extended car warranty service plans in one place. The company also offers specialty plans to cover the electronics in your vehicle, for example, or for motorcycles and all-terrain vehicles. Once you purchase a plan, the company providing the extended warranty handles customer service and fulfillment of the contract.

If you are looking to compare different companies and various car warranty options, be sure to check out our car warranties guide.

Pros
  • Consumers can compare a variety of extended car warranties at once
  • Specialty plans such as lease end, motorcycle and vehicle electronics
    coverage
  • Sample policies available for review before purchase

Cons
  • No guarantee all mechanics will honor the contract
  • Terms of service contracts can be confusing

Working with CarShield

Because CarShield works with a variety of extended warranty plan administrators, the company can help you find the best coverage at the lowest cost. Fill out the form on the CarShield website to get a quote from plans by United Car Care, American Auto Shield, Interstate National Dealer Services (INDS), and the National Insurance Underwriters (NIU) of Florida. CarShield will email the quote or call you, and you can always call their toll free number to talk to an agent about a service plan quote.

Once you buy a service plan, you will need to follow your vehicle’s recommended maintenance schedule found in the manufacturer’s owner’s manual. Failure to comply with scheduled maintenance can negate your coverage under many service plans.

CarShield Car Warranty Policies

CarShield offers policies for new cars, used cars, motorcycles, ATVs and other off-road vehicles. Policy types, explained below, are comprehensive, powertrain, powertrain plus, specialty and motorcycle/ATV. Read the policies on CarShield’s website and discuss with a representative to get all the details.

CarShield Car Warranty Plans
Type of Policy Best For
New Car Newer vehicles with high miles and expired manufacturer’s warranty
Comprehensive Used cars with no manufacturer’s warranty
Powertrain + High mileage vehicles
Powertrain Most affordable, covers essential parts of the vehicle
Specialty Leased vehicles, performance vehicles, items not covered by other warranties
Motorcycle/ATV Off-road vehicles and road-driven motorcycles
  • New Car

    CarShield’s New Car plans are designed to provide the most complete coverage available. Similar to new car warranties, these service contracts are intended for car owners whose warranties have expired early either due to a short-term policy or high mileage on the vehicle causing the warranty to end. New Car policies may include limited roadside assistance depending on your state of residence.

  • Comprehensive

    Comprehensive plans offer slightly less coverage than New Car plans and are designed to cover the essentials within a car, which make it operable. The engine, transmission, air conditioning, starter, water and fuel pumps, and electrical are covered with some exclusions.

  • Powertrain +

    Powertrain + service contracts include fewer extras compared to Comprehensive plans and are intended to help keep higher-mileage vehicles on the road. Powertrain + plans cover alternators, starter, air conditioning, water pumps, transmission and specific engine functions.

  • Powertrain

    Slightly scaled-down versions of Powertrain + plans, Powertrain plans focus heavily on mechanical parts of the car, such as lubricated engine parts, transmission and the water pump.

  • Specialty

    Specialty policies cover components not typically covered by service contracts. Depending on the plan, coverage may include vehicle electronics, built-in TVs, air conditioning, turbochargers, steering and more. Specialty plans for lease-end coverage are intended to cover the cost of repairs needed when you return the vehicle, such as minor body dings, wheel rim damage or other repairs typically required by the dealer.

  • Motorcycle/ATV

    Road driven motorcycles, off-road motorcycles and ATVs are subject to many of the same mechanical issues as cars and trucks, but rarely offered the same strong warranties found in new vehicles. Because the systems and challenges are unique, a regular vehicle contract is not a good fit for motorcycles and ATVs. Motorcycle/ATV service contracts are specifically designed for those vehicles and come in both Comprehensive and Powertrain levels of coverage.

CarShield Car Warranty Complaints

Not accredited by the Better Business Bureau (BBB), CarShield does have a presence on the BBB website. It currently has an “F” rating and a consumer warning notice issued due to concerns over advertising practices and a pattern of complaints alleging misleading sales and advertising practices.

Other review sites, such as ConsumerAffairs, rank CarShield more favorably. On the ConsumerAffairs site, the company has a ranking of 4 stars out of 5, based on more than 650 reviews, 280 posted in the past year. Representatives at CarShield do a good job of responding to consumers on the site, which is a sign that excellent customer service is an increasing priority for the company.

CarShield Q&A

  • How do I get service for my car under a CarShield auto service contract?
    Each CarShield contract will vary somewhat depending on the specific plan and the company administrating it. However, the majority of contracts require you to call the plan administrator for service authorization before making any repairs.

  • CarShield award

    Source: CarShield

  • Do CarShield plans reimburse my costs or pay the mechanic directly?
    This will vary according to your contract. A few service contracts only make direct payments to the company that services your vehicle. However, most will either reimburse you or pay the mechanic directly.

  • What happens if my mechanic wants payment up front?
    Most contracts allow you to take your vehicle to any ASE Certified mechanic, which is an auto service technician certified with a Blue Seal from the National Institute for Automotive Service Excellence. Mechanics do not have to agree to the terms of the service contract, but most will accept the terms because they want your business. If the mechanic will not work with your plan and that plan does not include the option for you to pay and get reimbursed, you will have to decide to pay for the repair yourself or take your vehicle elsewhere.

  • Who do I call if I have a problem with my CarShield plan?
    As a broker, CarShield is only the point of sales for your service contract. If you have a problem with your plan, you will need to contact the plan administrator for customer service. If you disagree with your plan administrator, you can call your state’s insurance commissioner or local consumer protection agency.

  • Do CarShield plans replace my vehicle’s warranty?
    No, these plans do not replace your vehicle’s warranty. The CarShield plan will go into effect when your manufacturer’s warranty lapses. If you purchase a plan while your original warranty is still in effect, there is no time delay on when the service contract will begin. While this sounds ideal, you could end up paying for unnecessary overlap in coverage as long as your warranty is still active. Ask questions to verify when a plan you’re considering starts.

  • Do any car manufacturers endorse CarShield?
    No. CarShield’s plans are service contracts offered by private companies unrelated to an automobile manufacturer or dealer.

Conclusion

The costs of a vehicle don’t stop when you purchase it. AAA calculates maintenance and repairs alone cost an average of $1,186 a year for a new vehicle, with total average annual costs to own and operate a vehicle topping out at $8,469. Combine that with the initial cost of a new or used car, and it’s easy to be concerned about the unexpected breakdowns having a significant impact on your wallet. Beyond the original vehicle warranty, a service plan is a way to reduce those expenses. If you’re considering an automotive service contract, CarShield can make the process easier by allowing you to view numerous companies and multiple plan types all in one place.

CarShield Reviews

Recent Reviews

September 13 2019 1:19PM

Got Car Shield in May for a 2012 Ford Fushion with 71+ miles on it. We have a Blue Ox unit on front to tow behind our motor home, which we have done for the last 5 years... transmission went and when their inspector showed up at the garage the car was towed to he said transmission went because of the electrical on the Blue Ox....

The service man broke out laughing, telling him no way that had anything to do with said transmission going... they refused our claim, called my card who got all my money back from May...they only want your money.

Charles L.
Troy, NY
September 11 2019 11:33PM

Nothing but 1 STAR reviews. I was thinking of getting this for my Super Duty but I feel they would give me a hard time in covering the cost of fixing a Diesel! I'm better of just saving a part of my income monthly on my own.

Dennis R.
Pharr, TX
August 21 2019 6:35PM

Do not use CarShield!! This company does nothing they advertise. We got no tow, no rental and out a car for over two months! They are trying to get us to pay several thousand dollars out of pocket to fix our car. They won't fix it as recommend by dealer. They use old parts and will end up leaving you stranded again. You can't get a hold of customer service. Literally hours on hold!! They are a bad curse!! Stay away from CarShield.

John S.
Broomfield, CO
August 15 2019 8:58PM

I called today to see about getting repair insurance on a slightly used vehicle I recently purchased with low mileage, but approaching the end of the dealerships warranty period.

The salesman from CarShield would not give me any specific coverage information, and just tried to make an immediate sale. Started out with the Diamond Plan for 129.00 per month, then went to 99 per month for the same plan, then finally 79.00 per month. I asked him if he had any additional information and what exactly was covered - he said everything is covered, then later got smart with me acting like I was stupid for asking any questions.

He also said I could not get that rate unless I bought it right then over the phone. I told him I would need to do some additional follow up before purchasing the plan and he said something like you have already said that twice, but if you wait you cannot get this rate again. - I then hung up on him, then immediately received a return call from him which I did not answer.

Won’t be calling CarShield back!

Tom F.
Chesterfield, WV
August 15 2019 3:32PM

I have a relatively new vehicle with high mileage, so I entertained the idea of getting CarShield because Glen Beck said they were better than sliced bread. I did my homework and could not find one, not one single satisfied customer. Not one. Screw this company and Glen Beck. Scammers.

Scott J.
Pinellas Park, FL
August 05 2019 11:02PM

I dont understand why Retirement Living would give them 5 stars. Every single review here is one star, wish I could give these scammers a negative rating. They blatantly lie in their non stop commercials. They are NOT the number one provider for service as they claim. The BBB gives them an F rating. $4000 a year for coverage, and it doesnt cover most of your first year. SCAM alert. Run. Dont walk from these pack of scamming losers.

Lois C.
OTISFIELD, ME
July 30 2019 2:05AM

I brought a car for DriveTime 3 years ago and when I drove off the lot I had Endurance Extended Coverage. After I paid over 3 thousand dollars for 18 months then I get a call from Carshield tell me about a better deal for senior living so now after another 3 thousand dollars I paid out. Now my car need fixed and they don't want to fix it and it's cost me $700 dollars to get my car fix and I don't have any money to get my car fix but I am not given up on them that easy. I am calling the new channel. I am look for a lawyer. I am filing a lawsuit because they are going to pay me 6 Thousand dollars is too much just to give away.

Erma W.
Memphis, TN
July 29 2019 5:37PM

I became a member of CarShield. About six months later, I had an engine problem. It was my first claim and even though they advertise that they cover engines and transmissions, I called and they stated that my engine was not covered. One person at the CarShield office said I need to call part sourcing and labor negotiations AND THEY WERE NO HELP AT ALL! I have talked to several people from that office and have gotten several different answers. Terrible Terrible service. Maybe they need to consider shutting down the so called "auto protection" insurance.

Lee H.
Denver, CO
June 20 2019 6:59PM

I wasted almost $600.00 paying for this coverage. Don't let their deceiving commercials fool you. You're better off putting that money away! They're good at giving you the runaround when you need information & you'd probably get your vehicle fixed faster if you did it yourself!

Margo K.
Argyle, WI
June 18 2019 4:02PM

If you're considering on getting Carshield, don’t. I had a seized brake caliber and they won’t cover due to overheating and blueing of rotor and premature wear of pads. I went round and round with them on cause and effect of a seized caliber being the cause of overheating and blueing of rotor. They didn’t care. They kept repeating its excluded due to the overheating. I swear where is their mechanical aptitude.

Stephen B.
Huo, NH
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