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.

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

  • 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.


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

Featured Review
December 21 2020 2:56PM

Ok so I do see some people with a negative and I get been there, maybe I can help. It depends on what plan you have, what will cover and trust me I know some plans don't cover much so ask before buying on.

If your car is over 150,000 miles they will not give nor sell you a plan. Now if some have I would definitely get my money back. l, and fight that one because they told me when I signed up what my plan would cover.

My old car was 149,000 when I bought the plan so no, it didn't cover much. I still paid out on wheel bearings, catalytic converter etc. But again I had the lowest plan.

However, the discount someone be mentioned is something you might want to take, they will pay for your part and send it to which mechanic you go to and the parts come with a 3 year warranty. So I know it sucks!!! But at least now with pandemic take whatever you can get.

The discount will take off whatever your may cost, and if your mechanic takes CarShield, then all you would pay is the labor, and let's face parts are not flippin' cheap.

I have used them but since my car was old I couldn't use them for anything that broke down on my car because of the plan and again the year of my 2008 Nissan hatchback.

They will honor what they say, I have a newer car now 2019 nissan sentra a little over 18,000 miles used, BUT with a newer car I have full coverage so if anything break down they will cover it.

And yes they will help you and they will do what they can to help you trust me, I know it's hard to hear but believe my me. My old car broke down and they paid for my towing, now depending how far your mechanic is there is, you will have to pay a bit.

Meaning of is is out of range from what they give in towing mileage, you have to make up the difference. They helped when I couldn't get anyone to tow my car because it was after 5 pm.

Also, they will provide a temporary car for you while your car is being fixed, this was when I thought my car under coverage, but again my car was a 2008 nissan hatchback. So limited I was, but again they will provide you a car for you to get around.

I work in healthcare, so trust me CarShield is not a scam...they will help you. Just keep in mind anything over 149,000 no plan because well sadly to say it/my car was just too old.

Eventually is digest a new car drove my old to death, car do make the death rattle but it was 183,000 over. So again, please don't blow them off if I can help great, but they are not a scam...Trust me.

J F.
Philadelphia, PA
September 03 2021 5:14PM

Needs a class action attorney to file suit. They have carefully crafted a contract that appears to have coverage of parts, but the exclusions are so extensive that they vitiate any coverage when requested.

The sales pitch is way over blown and one would have to be a mechanic and claims adjuster to see what risk one is truly covered. Ex, no coverage for oxygen sensors...did not know they existed.

Okay, radiator is covered, however when I the cooling fan broke and a piece of blade punctured the radiator coverage was denied under the "if a covered part is damaged due to an uncovered parts malfunction."

A look at BBB site shows same was used to deny coverage when someone's thermostat broke, and looking at the contract further belts, bolts, hoses are not covered in general so anything with such parts that breaks nothing will be covered.

When I tried to cancel my contract I was bounced around for more than an hour between their other company American Auto Shield and Car Shield to get to the "cancellation specialist."

She was the most arrogant, condescending, person I have ever encountered in CS. She kept trying to explain why the case was denied, and refused to simply do what I asked, She would not transfer me to a supervisor or another agent just kept trying to tell me I did not understand.

No one I talked to in all the 9 folks before and after her, could tell me what damage a radiator could have that was covered could tell me.

"They are not mechanics" EXACTLY. One needs to be a mechanic to understand the contract and the causation that will lead to denial of claims on most things.

Diana D.
Canyon Lake, TX
June 22 2021 11:13PM

CarShield is the worst warranty company in the United States. They are strictly for the rich and no body else and they refused to fix my transmission and stuck me paying 650 dollars towing fees and it was car shield people that told me Grease Monkey is where they bring their vehicles.

Wrecker truck picked up my truck and brought it to Baton Rouge and they refused to take my truck. CarShield can't back up what they advertise so it just a lie.

Larry E.
Jeanerette, LA
May 26 2021 2:40AM

In short; I would rather risk going on a date with a serial killer. PLEASE STAY AWAY FROM THIS COMPANY! Read the BBB reviews and look online for legitimate, highly rated coverage.

It's obvious Carshield doesn't care about hard working people who can't afford higher coverage, and get lied to by rich famous people who don't need it. I used to have respect for Ice-T, but he's just another SELLOUT **.

Susan W.
Richland Center, WI
May 18 2021 3:52PM

The worst company ever, full of lies. Will not repair you car. Will not give you a rental. They gave me the run around for two week before finally telling me I was denied repairs. Do not buy a warranty from this company, buy thru dealer. Now I have to pay out of pocket after paying them a whole year.

Jacob H.
Alsip, IL
April 05 2021 3:22PM

I am laughing at the people that got CarShield. Only idiots that normally drive their cars into the dirt deserve to get scammed.

All drivers need to know how to check all your fluids, and fill if needed. If you only pop your hood cause smoke is rolling out, you deserve to be stranded, and ripped off from car shield.

John S.
Kansas City, MO
April 05 2021 2:46AM

They suck. They always find an excuse not to pay or not covering specific parts even though they are part of warranty. I consider it a scam and the reviews I've read back me up. My place of service told me they have yet to see CarShield live up to the contract.

I just had a $3200 bill to fix my Turbo's and they did not pay one cent, denied claim. Turbo's are specifically listed in my contract. Now I'm forced into arbitration with them in attempt to get them to honor contract.

David U.
Brooksville, MS
March 24 2021 6:58PM

What a scam. I have been paying my premiums faithfully for nine months. I am a disabled veteran and a widow of a disabled veteran and have disabled child. My Jeep has been at the shop for over three and a half weeks. There has been no communication from the adjuster.

Safeguard transmission has been very diligent in their communication. My claim for transmission repair was denied based on mileage and year. However, they sold me the extended warranty and continued to take my money.

Now I am out a vehicle. A claim has been filed with my attorney and the Better Business Bureau. Is this how we treated the disabled and members of the military.

Wow - take your business elsewhere. Nobody has called me back regarding this issue. It has been over a week. DO NOT WASTE YOUR TIME OR MONEY.

J H.
Westport, MA
February 11 2021 2:20PM

They are a joke. I been paying these people faithful 80$ a month. Sent them 4 Customers. My I had a problem with car and they said, "No we don’t cover that." They did my wife the same way with her truck.

They false advertisement and I feel bad for telling people how good they are but he getting paid so I understand he need money so he lie to the people to get a check.

So sad, go to Endurance warranty. When they give you your quote they tell you what they don’t offer. CarShield is horrible.

Clinton W.
Baltimore, MD
February 05 2021 3:22AM

Viti Mercedes Benz shop did not show the amount where the payment made by Carshield paid them. I think Viti kept the money but the customer paid the whole costs of repair, parts and services and this will be likely to happen to other car repair shop.

Carshield will just keep getting money from policy holder but actually it is not paying any of the repair cost but shops will keep the money because you will not see the itemized amount where the money was paid.

This carshield is a scam. A lot of customers are not well versed about car parts and repair.

V A.
New Bedford, MA
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