Vehicle Assurance offers a range of extended warranty contracts across the country, but it doesn’t have the best reputation for customer service. Find out why here.
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In This Review In This Review:An extended warranty can provide peace of mind that vehicle repairs will be covered after your factory warranty expires. Vehicle Assurance offers many different contracts, but it tends to get negative reviews from customers.
In this review, we’ll take a look at what Vehicle Assurance covers, along with information about its customer service history and reputation. If you’re looking for the best extended car warranty, we suggest getting easy, free quotes from our top recommended providers above. We’ve reviewed many popular companies, and these providers proved to be the best in the industry.
Reliability: 4.3/5.0 Coverage: 4.9/5.0 Pricing: 4.8/5.0 Transparency: 4.8/5.0 Customer Experience: 4.3/5.0Endurance is our top auto warranty recommendation
Quick Facts Plan Coverage and Perks| Plan coverage includes | Endurance Elite perks™ |
|---|---|
| Exclusionary plan | One-year membership for free |
| Powertrain plan | Tire repair and replacement |
| Maintenance coverage with Endurance Advantage | Key fob replacement |
| Roadside assistance | Total loss protection |
| Towing | Collision discount |
| Rental car | $250 rewards voucher |
| Trip interruption coverage | Endurance Protect app |
Vehicle Assurance is a vehicle service contract broker that offers a large number of plans through four different administrators. The company was founded in 2007 in St. Charles, Missouri. You can get plans in any state except California through the Vehicle Assurance website.
The company is fairly average when it comes to coverage options, cost and transparency. However, it doesn’t have a good customer service reputation. In fact, we did not find any positive reviews on the Better Business Bureau (BBB) or the company’s Google profile. Vehicle Assurance currently has a B+ rating from the BBB along with a notice warning consumers of a pattern of complaints.
| Overall Rating | 5.4 |
|---|---|
| Industry Reputation | 5 |
| Coverage | 7.0 |
| Warranty Cost | 6.0 |
| Transparency | 7.0 |
| Customer Experience | 2.0 |
At first glance, Vehicle Assurance offers an almost dizzying array of extended warranty plans. There are 11 in total. In reality, the company offers standard coverage choices through four different vehicle service contract administrators: United Car Care, Omega Auto Care, American Auto Shield and Heartland. Each administrator offers two or three plans, and many of them are very similar.
United Car Care Plans
Omega Auto Care Plans
American Auto Shield Plans
Heartland Plans
Even the most comprehensive bumper-to-bumper extended warranty doesn’t cover everything. Here are a few examples of parts and situations that are excluded from Vehicle Assurance coverage:
Each plan requires a waiting period of at least 30 days and 1,000 miles. If you drive infrequently, some plans will require you to wait 90 days and 200 miles before you can file a claim.
Most plans through Vehicle Assurance offer the following added benefits:
Each Vehicle Assurance contract has slightly different terms for these benefits. Roadside assistance covers up to $50, $75 or $100 per occurrence depending on the provider, for example. Consult your contract for exact terms.
Vehicle Assurance doesn’t publish prices online or provide an online quote tool. In one BBB review, a driver reported receiving a quote with a monthly payment of $100, which is right around the average monthly cost of an auto service contract. Your own quote may differ, however. The age and mileage of your vehicle will influence the prices you’ll find, since repair costs increase as cars age.
In our research, we found most plans from leading providers can cost between $1,700 and
$3,000, depending on the vehicle. You can use that as a guide if you get a quote from Vehicle Assurance. The company says it offers a wide range of no-fee payment plans to fit any budget. Vehicle Assurance contracts have a standard deductible of $100, but other options are available.
Speaking of quotes, the only way to get one from Vehicle Assurance is to call in with your information. Be prepared to provide your car’s year, make, model, mileage and vehicle identification number (VIN). Interestingly, the Vehicle Assurance website says there is an online quote form, but when we tried to fill it out, the actual form was missing.
To file a claim, you can go to any repair shop certified by the National Institute for Automotive Service Excellence (ASE ® ). Once there, have the shop contact your contract administrator to initiate the claim. Your administrator will need to authorize any repairs before work begins.
You may need to authorize a diagnosis or tear down, and you’ll have to pay that charge if the repair is not covered. If the repair is covered, you’ll only pay your deductible to the shop.
