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2023年7月更新
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Best of the Best
Endurance Extended Auto Warranty
Endurance
扩展的自动保修
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Call Directly: 833-561-1676
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提供4个级别的汽车保修范围,是其合同的管理,没有处理第三方合同。

优点

快速简便的报价过程,具有知识渊博的代表,以帮助您获得所需的确切覆盖范围。如果您搬出接受的服务位置,耐力服务将保持不间断。允许您决定自己的认证机械师。免费提供24/7的路边援助和轮胎覆盖范围。

缺点

在加利福尼亚或华盛顿不可用。对于某些用户来说,合同可能不清楚,难以理解。扩展自动保修服务的高端覆盖范围成本。

Best Bang for the Buck
Carchex扩展自动保修
CarChex
扩展的自动保修
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Call Directly: 877-350-1136
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最大的扩展汽车保修服务经纪人之一,提供15个覆盖范围。

优点

All plans include 24/7 roadside assistance and rental car reimbursement. Offers low average prices, along with lengthy coverage, and is one of the lowest-cost services available. CarChex's claims department also communicates with auto shops directly. You can get a quote instantly after a few easy questions.

缺点

合同是长期和一些客户找到他们哈rd to read. CarChex is not a direct provider, acts as a broker.

美国梦Auto Protection
美国梦
Auto Protection
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简单的工具
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American Dream是长期汽车保护方面的国家领导者,该工具可以帮助您与正确的计划相匹配。

优点

该计划是根据您的需求量身定制的,从24/7的路边援助到机械和零件的问题。消费者事务的在线计划工具提出了一些标准问题,而没有任何侵入性的细节。整个过程仅需几分钟,您就可以在48小时内获得覆盖范围。

缺点

这是一个有限的网络,因此可能不适合所有人。

消费者自动保修搜索
消费者
Auto Warranty Search
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找到最适合您的
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只有几个简单的问题,消费咖啡就可以将您与最接近您的最佳合作伙伴和计划相匹配。

优点

消费者将使您可以选择在多个合作伙伴之间购物。可用的合作伙伴也不限于其网站上的合作伙伴。量身定制的服务是为您的特定汽车和您需要的最有意义的,并且该网站易于浏览。他们还为每一步都提供信息,从实际购买合适的汽车到找到良好的保险计划。

缺点

Comparison shopping isn’t for everyone. Our “Best of” and “Best Bang for the Buck” recommendations are for those who want a simpler process.

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Best新万博移动app1.0reviews花费数千小时的研究,分析和testing为大多数消费者推荐最佳选择的产品。我们只有在您通过我们的链接购买产品时才赚钱,并且对产品的所有意见都是我们自己的。万博app在哪下载LINKS阅读更多
Best新万博移动app1.0reviews花费数千小时的研究,分析和testing为大多数消费者推荐最佳选择的产品。We buy all products with our own funds, and we never accept free products from manufacturers.阅读更多
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选择最佳的扩展自动保修服务

最后更新于2023年8月

当您购买像汽车一样的大型物品时,拥有闪亮的新制造商保修真是太好了。它可能只持续一小段时间,但是在那一段宝贵的一段时间内,您知道您的车辆可能会出现问题。

但是像所有美好的事物一样,制造商的保修不会永远持续下去。汽车是非常复杂的机器。修理或更换四轮机器(发动机,变速器等)的主要部分的成本可能非常昂贵。

For this reason, some car owners opt to purchase an extended warranty when they buy their vehicle. Others purchase a plan shortly before the original warranty expires — or even after the factory warranty has expired.

At BestReviews, we took a close look at the extended auto warranty market. What exactly is an extended auto warranty, how do you find a good one, and how do you avoid getting scammed? We asked these questions and more as we researched the following shopping guide.

如果您在市场上进行任何形式的自动保护,我们邀请您阅读本购物指南,以了解汽车保修行业的特权和陷阱。万博app在哪下载

If you’re going to purchase a warranty, make sure it offers thorough coverage. A good warranty will cover wear-and-tear issues as well as mechanical damage.

什么是扩展的汽车保修?

如上所述,汽车制造商在购买时为客户提供了工厂保修。

This warranty covers the cost of repairs or replacements for a set number of years or a specific amount of mileage — typically three to five years or somewhere between 30,000 and 100,000 miles.

Car dealerships are also authorized to sell warranty extensions for a quoted price — typically $1,200 or more. The cost may be rolled into the final purchase price of the car and included in a customer’s loan.

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客户还可以选择以后从经销商处购买延长保修。

In any case, the cost of a dealership-affiliated extended warranty can be high, and it only gets higher over time. So some consumers opt for extended warranty coverage from a private company, or “third party,” instead.

你可知道?

您在市场上看到的许多“扩展汽车保修”实际上是车辆服务合同或VSC。

真正的保修与VSC之间的区别

Legally speaking, only the manufacturer of a product can offer a true warranty for that product.

真正的保修规定,制造商(或授权代理商)将使用自己的服务设施和工厂零件修复或更换有缺陷的产品。由于制造商没有官方隶属关系,其他公司不能将其承保政策称为真正的保修。

但是问题在于,许多第三方公司,包括一些骗子,都意味着他们无论如何都提供了真正的保修。因此,对扩展的汽车保修行业的批评者要求第三方卖家更透明。

In reality, many “extended auto warranties” sold through third parties are actually “vehicle service contracts,” or VSCs. The law differentiates between these two types of contracts, but lay people (and some disreputable business people) often don’t.

When you opt for third-party coverage, you enter into an agreement with the company in which the company accepts a substantial upfront payment for future repairs to the vehicle. Note: the money you pay to such a company should be insured in case the company becomes insolvent.

这通常是这样工作的:如果您的车辆需要在承保期内维修,则该公司向您签发了自付费用或直接向维修店付款。当然,并非所有类型的维修都会由扩展保修或VSC涵盖。稍后我们将进行更多介绍。

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在首次联系之前

在您开始购买扩展的自动保修(通过经销商或第三方卖家)之前,请考虑您是否真的需要覆盖范围。在某些情况下,原始工厂保修已经提供了扩展的保修重复覆盖范围。那些租赁汽车(而不是购买汽车)的人也可能想三思而后行,以购买扩展的汽车保修。万博app在哪下载

以下是与汽车经销店联系或在线寻找第三方汽车保修公司之前需要考虑的其他因素。

Some critics of the extended warranty industry suggest that investing an equivalent amount of money in a savings account would provide the same benefits.

为了你的安全

如果您购买延长保修,请务必跟上汽车的定期维护。在某些情况下,如果您无法提供专心维护的证明,则可以将其用作拒绝您的索赔的理由。

有些人选择在其工厂保修期结束时进行交易或出售汽车。其他人则选择保留车辆,直到它变得太昂贵而无法维修为止。如果您打算出售车辆,则可能不需要延长保修 - 尽管这可能会增加汽车的转售价值。如果您打算将汽车保留多年,则可能希望考虑经销商的延长保修。毕竟,主要的汽车系统 - 动力总成,发动机等 - 在保修到期几年后往往会失败。

一些汽车制造商的汽车比其他制造商更好。可靠的车辆的所有者仅仅是因为制造商的声誉而考虑延长保修。毕竟,需要进行重大维修或更换才是时间问题。

Dealerships vs. third-party sellers

So whom should you buy your extended warranty from, a dealership or a third-party seller? Both options have their pros and cons. Here’s a breakdown of each option.

经销商优点

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Third-party seller pros and cons

为什么第三方汽车保修公司有争议?

第三方扩展汽车保修行业的最严厉的批评家认为所有此类公司都是骗局。这些批评家说,人们应该考虑的唯一覆盖范围是通过与特定制造商相关的合法汽车经销商出售的类型。这些批评家指出,措辞模糊的合同和否认合法索赔是有罪的证据。

领先的第三方汽车保修公司强烈不同意这项评估。虽然确实有一些夜空飞行的公司实际上拿走了这笔钱并运行,但他们认为大多数保修公司都以比经销商和制造商更实惠的价格提供所需的服务。

你可知道?

Some auto warranty scammers use high-pressure telemarketing techniques to try to sway victims into agreeing to a purchase over the phone.

常见的扩展自动保修骗局

The very idea of your transmission burning out or your engine seizing can be frightening, indeed. But consumers need to be aware of common auto warranty scams before they respond to any cold call, newspaper ad, or online pop-up.

Direct mailing

Some scammers take a less-aggressive approach. They don’t call you directly, but they send you postcards or other mailings that represent the “company” as a legitimate affiliate of the car’s manufacturer. In order to appear authentic, the mailing may contain specific information about your vehicle. But don’t fall for it. Legitimate car dealerships have information about your vehicle on file, but they will not use it to solicit customers for extended coverage.

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高压电话

骗子中的一种常见做法是使用高压电话销售技术。呼叫者似乎拥有有关您的车辆的准确信息,包括其原始工厂保修的到期日期。万博app在哪下载骗子在激进的冷电期间使用此信息作为杠杆作用。

The scamming “company” may offer you a great deal on an extended warranty, but only if you act immediately.当心:提供的保修实际上是VSC。The terms and conditions are generally terrible for the consumer.

极有限的“保证”

As a car ages, certain parts are expected to break down through normal wear and tear. Other parts — mostly the more expensive ones — tend to fail because of actual mechanical damage, like a snapped piston rod.

伪装成扩展保修的一些VSC涵盖了有限类型的损害。例如,它们可能涵盖磨损问题,但不能损害机械上的问题。在这种情况下,您可能会将汽车带到商店修理破损的轴,只是发现您的“保修”并不能涵盖您的特定问题。

False advertising: warranty vs. VSC

制造商的授权保修和VSC之间存在很大的法律差异。一些不道德的第三方公司使用“保修”一词来描述其VSC产品,以暗示与原始制造商的关联。但这是错误的广告。实际上,VSC是一个吸引人的报价要差得多。

Selective “bumper to bumper” coverage

包括汽车经销商在内的许多扩展的汽车保修提供商通常将其产品吹捧为具有“保险杠到保险杠”的覆盖范围。该术语意味着保修或VSC将自动保护车辆的每一部分,从茎到船尾。实际上,很少有扩展保修涵盖旧车辆中的所有系统。有时,合同仅涵盖有问题或昂贵的系统,例如动力总成或发动机。

找到扩展的汽车保修服务
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尖端

就像对人的健康保险一样,随着车辆的年龄增长,延长保修的成本上升。

扩展的自动保修常见问题解答

问:我必须承认我对汽车的定期维护不太认真。万博app在哪下载这会影响我获得扩展自动保修范围的能力吗?

A。In many cases, yes. Part of the contract between the warranty company and customer includes maintenance requirements. The company can ask to see proof of routine maintenance when evaluating a claim. If the engine was damaged due to a lack of oil, for example, the company could deny the claim if the customer fails to provide proof of regular oil changes.

Q. I currently lease my car, and I tend to change cars every three years or so. Should I consider an extended auto warranty?

A。People who lease their cars are probably not going to benefit from an extended warranty or VSC. The terms of the lease spell out the maintenance and repair requirements of the lessee, as well as the coverage provided by the dealership. Since many car lessees opt to return their vehicles within a few years, they will most likely never need an extension of that warranty coverage.

问:我想买一辆新车,但我不确定要立即获得扩展保修。万博app在哪下载我可以改变主意,以后得到吗?

A。You can usually purchase an extended warranty through a car dealership at any point in time. However, the cost of an extended warranty increases as the original expiration date gets closer.

如果你打算保持汽车过去的原始的事实ory warranty date, you’ll want to purchase the policy as soon as possible. If you allow the original warranty period to lapse, you may wish to consider shopping for less-expensive third-party coverage from a reputable company.

Q. I bought an extended auto warranty last year, but now I want to sell my car. Can I transfer the coverage to the buyer?

A。这取决于汽车保修公司对转移的政策。在许多情况下,您可以将VSC或保修的合法所有权转让给另一方,但该公司可能会收取服务费。

在其他情况下,覆盖范围遵循汽车,而不是所有者。如果这适用于您,则可以将扩展保修或VSC用作潜在买家的卖点。

没有人希望加载汽车维修费用。扩展的汽车保修或VSC可能有助于保护您免受道路上的高昂费用……或者可能没有。那就是保险。

At BestReviews, we want our readers to enjoy only the best services and products. We encourage you to keep the above information and tips in mind as you embark upon your journey to find the right extended auto warranty for you.

The team that worked on this review