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American Auto Repair Coverage Reviews

American Auto Repair Coverage earns a 4.0 out of 5.0 stars based on reputation, coverage, cost, and customer experience, although the company has since gone out of business.

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12/16/2023 09:33 PM

Every new car comes with a manufacturer’s warranty, but coverage expires after a few years. Although the provider has since gone out of business, in this article, we’ll look at the company’s reputation and coverage options compared to leading providers on the market.

There are dozens of options for extended coverage today. We’ve reviewed the best extended warranty companies in the industry to help drivers find dependable plans. Get free quotes from a few leading providers to find the best coverage for your vehicle.

Reputation: 4.5/5.0
Coverage: 5.0/5.0
Price: 4.5/5.0
Customer Experience: 4.5/5.0
idée Endurance is our first choice for extended warranties
  • Best Plan Offerings
  • Mileage Covered: 200,000 miles on the odometer
  • Free Cancellation: Full refund within 30 days
  • Plan Options: 6 different plans to choose from
  • Longest Plan Term: Up to 8 years
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
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

American Auto Repair Review: 4 Stars

American Auto Repair Coverage holds up its end of the bargain and covers car repairs under contract. It offers a decent range of coverage options, but the website doesn’t include sample contracts or details on maximum term limits. If the price is right and you want to buy this coverage, a plan from AARC is a safe choice.

Review CategoryRatings Score
Customer Experience4
Overall Rating4

About American Auto Repair Coverage

American Auto Repair Coverage (AARC) has over a decade of experience in the warranty industry. According to its website, the company pays out $22 million for auto repairs per year on average. It gets mostly positive reviews from customers, and it has an A+ rating from the Better Business Bureau (BBB).

American Auto Repair Coverage sells plans across the U.S. that are administered by a number of different companies, including:

  • Enterprise Financial Group
  • Allegiance
  • Omnisure Group
  • CarGuard
  • Omega AutoCare
  • SunPath
  • Matrix Protection

Something interesting to point out is that AARC lets drivers customize plans by selecting exactly what systems they want covered on the contract. Other companies offer different add-ons, but not many companies let drivers build the entire contract.

American Auto Pros And Cons

Pros Customizable coverage Benefits like roadside assistance A+ BBB rating Mostly positive customer reviews
Cons Maximum term limits not available online No sample contracts online Few customer reviews

Cost Of An American Auto Repair Coverage

When you get a quote from AARC, the price will depend on the make, model, and mileage of your vehicle. Coverage typically costs more for vehicles with more miles since the likelihood of repairs is also higher. Not all vehicles will be eligible for all types of coverage.

In our research, we found that plans cost between $350 and $650 per year of coverage from most leading providers. American Auto Repair Coverage claims to offer affordable plans, so you can use this range as a guide if you get a quote. AARC allows drivers to do monthly installments at no extra cost, as well.

How American Auto Repair Extended Warranties Work

Getting a quote from AARC is a straightforward process. You just have to enter your contact information and the year, make, model, and mileage of your car. If you want to customize your plan, you can click the checkboxes next to each system of the vehicle.

The only downside is that quotes aren’t instant. You’ll have to wait for a call or email from an AARC specialist to find out what you’d pay.

Warranties are cancellable, but the site does not list a guarantee policy. If you sell your car, you can also transfer the policy to the secondary owner. In some cases, this can add to the resale value of your car.

American Auto Repair Coverage pays the repair shop directly for covered claims, which include shop fees and taxes. To file a claim, connect the dealership or repair shop with the AARC claims number, and the company will handle the rest.

American Auto Repair Coverage Reviews

American Auto Repair Coverage has mostly positive reviews online, though it has relatively few reviews in total compared to leading providers. On the BBB, the company has about a dozen complaints and negative reviews, which is a very small number. American Auto Repair Coverage has responded to all of them and has issued refunds when necessary.

Almost all positive reviews mention paid claims, which is a good sign. Here are a few examples of positive and negative reviews:

“American Auto Repair has saved me and my wife twice already! I set up the coverage in 2017 and they have already paid out $1,800 in engine claims and $1,200 for an alternator. This policy has more than paid for itself already!”
– Greg D., BBB

“I had extended the coverage on my vehicle, just in case! A few months later my transmission went out and I would have been saddled with an unpayable bill, but thanks to the extended warranty I was able to have my car back on the road in about a week or so.”
– John O., BBB

“American Auto Repair won’t refund me my $1,800. They are a rip off. These warranty repair companies are just ripping folk off. Never had to use the warranty.”
– Dorothy A., BBB

AARC responded to the last review and noted that the customer had not paid their policy for the two months prior. According to the contract, refunds are no longer available when an account is canceled due to nonpayment, which is what happened.

Top Recommendations For Extended Car Warranties

You should get a few quotes anytime you shop for an extended warranty to find the best option. Each company has different eligibility requirements, prices, and benefits, so it’s worth taking the extra time to shop around.

Endurance: Best Plan Offerings

We think Endurance provides the best coverage compared to plans from other leading providers. The company offers six levels of protection that can cover a range of vehicles over 200,000 miles. Plus, each plan comes with 1 year free of Elite Benefits. Elite Benefits include roadside assistance, tire repair/replacement, total loss protection, collision discount, key fob replacement, and the Endurance mobile app.

Endurance has been covering vehicles for nearly two decades. The company has a 3.7-star rating from over 8,700 reviews on Trustpilot and a high customer rating from the BBB as well.

Get a free quote from Endurance to see how much you would pay for coverage.

CarShield: Month-to-Month Contracts

CarShield has covered more than one million vehicles, which shows how many drivers trust the company. It has been in business for more than 15 years and has been featured on CNN, HGTV, TBS, and others. We found that CarShield tends to be more affordable than many of its competitors.

CarShield offers six types of coverage plans. CarShield’s Diamond plan is comparable to a factory warranty, and the Aluminum plan is specifically designed for high-tech vehicles. CarShield has a rating of “Great” from over 48,200 reviews on Trustpilot. It’s the most popular provider we’ve researched by far.

Learn more about CarShield by getting a free quote for your vehicle.

Frequently Asked Questions

What is covered by an extended auto warranty?

An extended auto warranty can cover a range of systems on the vehicle. Basic plans cover the engine, transmission, and drivetrain. High-level plans can cover almost any mechanical or electrical component on the car, just like a factory warranty.

Are auto extended warranties worth the money?

Yes, extended warranties can be worth the money for many drivers. There’s always the possibility that you wouldn’t use the full value of the plan, but it’s also likely to save you from paying for a $1,000 or $2,000 repair out of pocket.

What is mechanical repair coverage?

Extended warranties and protection plans offer mechanical repair coverage. This means they don’t cover cosmetic items, wear and tear, or regular maintenance. A mechanical or electrical part needs to have failed or worn beyond manufacturer tolerances to be repaired under contract.

How We Rate Warranty Providers

Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

  • Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) and a long history of reliable service score well in this category. We also evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
  • Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
  • Cost: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
  • Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.

View Pricing from our #1 Provider – Endurance