CarShield Review
Caption: CarShield Review

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.

To get a quote for your vehicle, call (877) 361-7657

CarShield Reviews

Recent Reviews

October 11 2020 10:38PM

They are the worst. Stuck without my car during this time of need. Wasted money on policy for nothing. They make it sound real good until it's a major problem & it cost a lot even giving them their proof they ask for. They still haven't done nothing on their part...

Monika S.
CORPUS CHRISTI, TX
August 06 2020 2:29AM

I am frustrated with this Company. I took out a warranty because the advertisement was so precise and clear, I took advantage of it.. They gave me a good deal on the pricing but when I call for repairs they had to review and ask questions..

Also, when calling, you were on hold forever.. I had to wait on them to check on issues-(a week). Finally, they told me my claim was denied.,!! It was just so confusing that I just gave up hope...

I felt like I was being misused and as of now my car has not been repaired yet.. I guess I did not use good judgement in selecting a warranty for my auto..

D W.
Mobile, AL
August 05 2020 9:41PM

Stay far away from these con artists. After a high-pressure pitch over the phone to my octarian in-laws they plunk down about a hundred bucks with a 30-day money back guarantee.

They weren't given a copy of a contract (that, CarShield said, would come after the payment cleared.) They weren't even given a list of exclusions. After discussing it, they decided to drop out two days after they signed up.

When they gave notice to CarShield they were told they can't get the money back because it covers the 30-waiting period. They can't make any claims during this 30-day period because it's a waiting period.

A reputable business would have issued a refund and canceled the contract. These evil con artists prey on the most vulnerable. For the life of me I can't fathom how they sleep at night.

Zachary S.
Manassas, WV
August 05 2020 12:55AM

Took over a month to get car fixed. Called several times, sometimes 5 times a day to finally get a call back. Would not recommend. The customer service is really bad. One of the customer reps got rude to me and the shop. She was so busy talking that she would not listen.

Debbie P.
Monroe, OR
June 22 2020 10:48PM

This company is a total scam. Their warranties are not worth the paper they are printed on. When you call CarShield and speak to a sales rep., they tell you whatever it takes for you to purchase a contract, then when you actually make a payment and they send you the warranty contact as described as "Gold Coverage" which is only a Power Train warranty that does not cover any electrical, no cables, nothing with the breaking system, no lights or harnesses, only internal non-electrical transmission parts, anything external they won't cover.

Guess what...... if your actual transmission fails and you need a new transmission CarShield does not cover that either. Because their bottom line is far more important than fixing your vehicle. Basically they only cover what is low cost to fix and what us unlikely to break on your vehicle.

They have no problem charging you over $100 a month for what they call Gold Coverage which is more like Copper Coverage because when something actually breaks on your vehicle and you take it to your mechanic or dealer, it is like pulling teeth for a mechanic or dealer to get in touch with a Car Shield rep. for an authorization, and there is a 1% chance that they will cover what is actually wrong with the car.

CarShield pay a lot of money for their television commercials and the celebrities they pay to endorse their service so they have to pass that expense onto the consumer while making sure that they get away with actually paying little or in most cases NOTHING towards the repair of any customer's vehicle. If you really think about it and if they were genuinely honest and straight forward with their warranties and they had to pay 50 % of the claims that were presented to them they would go out of business, so they are really worse than the auto insurance companies because even the auto insurance companies will pay on more of their customer's claims than CarShield.

The best extended warranty is through the car dealership because you get to review the contract first before you buy and see what is actually covered, also the dealer's extended warranty companies have different levels of coverage so you won't be throwing your money away like with Car Shield.

I had my car at the dealers for two totally different issues and car shield denied both of them, they also don't like when you call them to cancel your contract. Their customer reps., are trained to keep you on the phone and feed you more lies as to why you need to keep paying for their warranty.

They also try to charge you a $75 cancellation fee if you cancel and they have to pro-rate you. This company is ridiculously unscrupulous and only care about how money money they can scam out of customers. Even the service dealers don't like working with, because they never respond to requests for authorization and when they can get a hold of an adjuster they deny the claims.

This company also has an F on the Better Business Bureau so that tells you that most of their customers are dissatisfied with their service. I had to call all my family, friends, and coworkers and tell them not to use Car Shield because their warranties are basically worthless and they have no problem charging you premium fees for a zero warranty. Remember Car Shield does not care about you or fixing your vehicle, they just want your money for as long as they can scam you.

Kim M.
Sanford, FL
June 11 2020 4:04PM

SCAM SCAM SCAM SCAM. Car Shield is 0. A Big Scam.. DO NOT BUY İT, I paid over 2 years to them, thinking I am at least for repairs, and finally when I made a claim, Car Shield TOTALLY Lied to me and they never said they would cover repairs, but only HELP ME FİND Discounted parts, and they wouldn't give me refund.

I Guarantee that this isn't what I was told when I called to get a quote, and they told me that they would cover repairs.. I am gonna do my Best to expose their Fraud, and take them to small claims court, and this is where it starts..

Ty C.
CITRUS HEIGHTS, CA
May 08 2020 2:48PM

I called Carshield to get a quote. The people were very nice till I said I wanted to talk to my wife. The sales person did not like that. He told me my wife would want me to get it. I tried to explain we don't do things that way. The sales person kept pushing and he even tried to get me to sign up if he drop the price. Bottom line is this company does not like the answer no. I never signed up. They kept calling back and l had to threaten them with a lawyer to leave me alone. Be very careful and don't let these people push you into signing up.

John S.
Jamestown, TN
March 10 2020 12:45AM

Dont buy this. They don't pay out and in trouble with the BBB and being sued by customers. They dont cover things like seals in power trains. They have to approve everything before work stops. They also don't return your money if you cancel with them if you dont use them. They call themselves insurance but they are nothing but bankers. Again buyer beware they have nothing to offer you. Read all disclaimers and all the lawsuits against them. Beware Beware Beware total rip off.

Bruce C.
Fort Smith, TX
February 27 2020 3:17PM

I wish I would have found this site before I purchased this so-called "product". I'm not sure it qualifies as a "product". I won't go into details but, the bottom line is, my incident was not covered. Go figure. I had an oxygen sensor go out. I was told I didn't have omission coverage. I wasn't even TOLD that was available when I signed up. I was told...TODAY...my car was too old to even get that coverage. If I would have known that before I purchased, I would have passed. STAY AWAY FOLKS.

C S.
Georgetown, SELECT A STATE
February 22 2020 6:18PM

If I could give it less than a one star I would. I had the gold plan on two vehicles. First time I tried to use it they told me it wasn't covered. Commercial says there'll be no Big Bill's don't believe it. I paid $170 for two service plans. I am retired veteran on a fixed income. My car needs over $500 worth of work and they won't cover anything. My pockets are only so deep so I had to choose whether I fix my car or pay for this insurance. So I had to cancel my policies. I hope this helps. As far as I'm concerned it's all junk. I'd never recommend this to anyone.

Mike J.
Granton, WI
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