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CarShield Coverage (2024)

With generous coverage limits and affordable plans, CarShield stands out as a top provider in the extended car warranty industry.

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12/19/2023 11:03 AM

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CarShield provides six extended warranty plans to protect your vehicle and provide peace of mind when your car needs repairs. We included CarShield on our list of the best extended car warranties and awarded it the title of Best Value among popular vehicle service contract providers. In this article, we’ll highlight each CarShield coverage plan and the six corresponding levels of coverage, what’s covered under each plan, average costs, and more.

CarShield Extended Warranty

CarShield offers six extended warranty coverage plans, which range from a basic powertrain plan to bumper-to-bumper coverage that’s similar to a factory warranty. The warranty provider offers coverage for vehicles up to 300,000 miles, which is one of the highest mileage limits in the industry.

  • Diamond Plan: This vehicle service contract offers exclusionary coverage similar to a new car manufacturer’s warranty. This comprehensive coverage plan pays for everything from engine failure to water pump breakdowns to keep your car running.
  • Platinum Plan: The best plan for high-mileage vehicles, this protects major and minor vehicle parts that are more likely to fail in an older vehicle.
  • Gold Plan: A step up from the Silver plan, this enhanced powertrain coverage provides for repairs to the powertrain, starter, alternator, air conditioning, and more.
  • Silver Plan: This powertrain warranty is the most affordable of the CarShield protection plans. It provides coverage for the most basic yet essential parts of your vehicle.
  • Aluminum Plan: Designed specifically for your vehicle’s electrical systems, the Aluminum plan covers parts like the engine control module and GPS. It’s often a good choice for luxury vehicles.
  • Motorcycle & ATV Plan: Beyond standard cars, CarShield offers coverage for specialty vehicles like ATVs and motorcycles.

What Is Covered Under Each CarShield Plan?

CarShield’s six vehicle service contracts offer coverage for different parts of your vehicle depending on the plan you choose. 

The table below explains what is covered under each CarShield contract.

DiamondPlatinumGoldSilverAluminumMotorcycle & ATV
Drive Axle
Transfer Case
Air Conditioning
Fuel Delivery System
Fuel Injector
Fuel Pump
Brake System
Wiring Harness
Instrument Cluster
Factory Audio
Power Windows
Water Pump

For covered repairs, CarShield policyholders can take their vehicle to any repair facility certified by the National Institute for Automotive Service Excellence (ASE®).

Additional Benefits of CarShield Plans

In addition to the components that each CarShield plan covers, most contracts include the following perks:

  • Emergency roadside assistance
  • Towing reimbursements up to $125
  • Lockout and flat tire services
  • Fuel deliveries
  • Battery jump-starts
  • Rental car reimbursements with some plans
  • Trip interruption reimbursements up to $50 per day for three days

These benefits are fairly standard across most third-party car warranty companies, such as Carchex and Endurance, but they provide car owners with extra assistance in the case of a breakdown.

What Do CarShield Plans Exclude?

While CarShield covers a wide range of services and car repairs, it’s important to note the following exclusions:

  • Vehicle parts damaged by nature, collisions, or vandalism
  • Auto repairs performed without prior authorization from CarShield
  • Vehicle parts with modifications or alterations
  • Damage from owner abuse or neglect
  • Repairs covered by prior extended warranty coverage

CarShield specifically protects your car against issues due to mechanical breakdowns. All CarShield extended warranty plans detail exclusions in depth so CarShield customers know what is and is not covered by the plan they choose. You can view sample contracts on the company’s website before purchasing a plan.

Cost Of CarShield Coverage

The average cost of CarShield coverage ranges from as little as $79.99 to $129.99 per month. Your monthly payment will vary depending on the plan you choose to purchase, as well as your vehicle’s make, model, age, and mileage, so it’s a good idea to request a free quote. One advantage of CarShield is that it offers flexible month-to-month contract options in addition to set term lengths, meaning you can choose how long to maintain coverage.

See the table below for quotes our team received from CarShield for three different vehicles:

VehicleCarShield Warranty PlanTerm LengthMonthly PaymentPrice per Year of Coverage
2022 Honda CivicDiamondUnlimited; month-to-month$149.99$1,319.88
2016 Honda CivicGoldUnlimited; month-to-month$149.99$1,799.88
2016 Ford F-150GoldUnlimited; month-to-month$169.99$1,439.88

Final Thoughts On CarShield Coverage

CarShield coverage offers many benefits and high-quality protection against mechanical breakdowns that are likely to occur when owning a new or a used car. From the company’s range of vehicle service contract options to its affordable prices and flexible payment plans, car owners can find peace of mind through a CarShield protection plan. 

We give CarShield a 4.3-star rating out of 5.0 overall and recommend it as a reliable extended warranty provider to consider when looking into purchasing a vehicle protection plan.

Review CategoryRatings Score
Customer Experience4.0
Overall Rating4.3

CarShield Coverage: FAQ

Does CarShield pay 100% of repair costs?

With a service contract from CarShield, covered repair claims will be paid 100% after your deductible. CarShield makes payments directly to the repair shop or dealership, removing the hassle of paying up front and waiting for reimbursement.

Does CarShield have a deductible?

Yes, CarShield plans come with a deductible. Deductibles for CarShield service contracts range from $0 to $100. Only certain plans allow for a $0 deductible, such as the Platinum and Diamond level plans. Deductibles of $25 and $50 are also available.

Can you cancel CarShield at any time if needed?

Yes, CarShield allows you to cancel your coverage plan at any time. If you choose to cancel within the first 30 days and haven’t used your plan, you’ll receive a full refund. Cancellations that occur after the initial 30-day window will result in a prorated refund minus a $75 cancellation fee.

Is CarShield a waste of money?

From our research, we determined that CarShield is not a scam or a rip-off, and it could be a good value for many drivers. While CarShield does not hold an A+ rating with the Better Business Bureau (BBB), we found the company to be the Best Value among extended warranty providers.

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:

  • 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.
  • 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.
  • 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) score well in this category. Established providers with a long history of reliable service also receive positive marks.
  • 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.

*Data accurate at time of publication.