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CarShield Vs. Carchex Extended Warranty Reviews

When comparing CarShield vs. Carchex, which has better coverage and prices? See how the two extended warranty companies compare in our review.

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04/26/2024 12:00 AM

The Gist:

  • Both CarShield and Carchex have relatively strong reputations based on customer reviews.
  • CarShield covers vehicles up to 300,000 miles while Carchex covers up to 250,000.
  • Carchex covers vehicles up to 20 years old.
  • CarShield doesn’t offer extended warranty plans in California.

Extended auto warranties can help cover repair costs, but there are many providers on the market–some reliable and others little better than scams. To help you in your search, we’re comparing two leading providers head to head: CarShield vs. Carchex.

Vehicle service contracts, also called extended warranties, come in many varieties. Some are similar to your car’s factory warranty, while others cover basic engine parts and little more.

We’ve reviewed a number of the best extended car warranty companies and rated CarShield and Carchex at the top of the class. Both of them are good choices, so take a few minutes and get a quote from each to compare your options.

You can start comparing free quotes from CarShield vs. Carchex below.

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CarShield And Carchex Highlights

We know you might not have time to read article after article on extended warranty companies. Take a look at this quick comparison of our ratings for each provider to get a feel for the main differences and similarities between CarShield vs. Carchex.

CarShieldCarchex
Reputation4.54.5
Coverage5.05.0
Price4.04.5
Customer Experience4.03.5
Overall Rating4.34.4

The two companies match each other on a number of points. For many drivers, it comes down to details between coverage options and the types of quotes that each company provides.

One last thing when comparing CarShield vs. Carchex: If you live in California, Carchex is the one for you since CarShield doesn’t offer warranty plans in the Golden State.


CarShield Vs. Carchex Reputation

CarShield has been around since 2005, which is a fairly long time in the world of vehicle protection plans. Its longevity says the company can handle resources well and pay out for covered auto repairs.

Out of all the providers we’ve researched, CarShield has the highest number of reviews on Trustpilot and Google. We also recognized it for its flexible month-to-month contracts in our industry-wide review.

Carchex is one of the longest-running extended warranty companies and has been around since 1999. The company is endorsed by auto industry leaders like Kelley Blue Book, Edmunds.com, and CARFAX. Over the years, it has paid out millions in claims. Carchex also provides coverage in California, which can’t be said for CarShield.


CarShield Vs. Carchex Coverage

CarShield and Carchex both offer several coverage levels ranging from basic powertrain coverage to full bumper-to-bumper options. CarShield has a few more choices, offering specialty high-tech coverage as well as plans for motorcycles and ATVs. 

Coverage With CarShield

CarShield can cover high-mileage vehicles with odometer readings up to 300,000 depending on the plan. Drivers can go to any licensed repair shop in the U.S. or Canada, including dealerships. There are eight main plans to choose from:

  • Diamond: This comprehensive coverage plan is similar to a new car warranty, offering bumper-to-bumper coverage. It covers any part of the car unless it’s listed as excluded in the contract, and it’s the best option for cars with low mileage.
  • Platinum: This plan covers hundreds of parts for most major systems of the car. It includes the powertrain, electrical, steering, air conditioning, turbocharger, high-tech components, and more.
  • Gold: This mid-level plan is a good option for cars with higher mileage and includes the powertrain, turbocharger, cooling, fuel system, air conditioning, transfer unit, and basic electrical components.
  • Gold Select: This plan covers everything that the Gold plan covers except for the fuel pump and fuel injector. 
  • Silver: This basic powertrain plan includes coverage for the engine, transmission, turbocharger, cooling system, and drive axle.
  • Aluminum: This CarShield plan is made for high-tech vehicles. It covers some basic systems like cooling and fuel delivery. It also covers additional high-tech and audio components and comes with options to increase coverage further.
  • Motorcycle & ATV: CarShield gives ATV and motorcycle owners a choice between Platinum or Silver coverage plans.
  • Electric Vehicle: This plan is made specifically for EVs, and it covers the battery pack, electrical system, electric drive unit, and more. 

CarShield covers any repairs due to a mechanical breakdown or failure. The provider won’t replace a part that has worn over time but isn’t broken, unless it’s a critical part that has worn beyond manufacturer tolerances.

CarShield Benefits

CarShield plans come with roadside assistance and trip interruption benefits for when you have a covered breakdown far from home. Rental car reimbursement is available with some plans, but you’ll need to check your contract to make sure it’s in yours.

CarShield Exclusions

Always read the list of excluded parts and circumstances on the contract carefully. Here are a few common exclusions:

  • Wear and tear items (like brake pads and wiper blades)
  • Maintenance (like oil changes and tire rotations)
  • Cosmetic items
  • Unauthorized repairs
  • Damage from lack of routine maintenance
  • Damage from accidents or environmental events

If you want a plan that includes maintenance, you’ll have to look for a prepaid service plan from another extended warranty provider.

Coverage With Carchex

Carchex covers vehicles in a similar way to CarShield. There needs to be a mechanical breakdown or failure for coverage to kick in, and Carchex shares many of the same exclusions.

Here are the company’s five levels of coverage: 

  • Titanium: This is Carchex’s bumper-to-bumper extended car warranty. It covers almost any mechanical or electrical part unless the part is specifically excluded, similar to a manufacturer’s warranty. 
  • Platinum: This is the highest level of stated-component coverage. It covers many parts on all major systems of the vehicle, including audio, high-tech, brakes, and suspension. 
  • Powertrain Plus: This enhanced powertrain plan covers all internally lubricated moving components within the engine, along with the transmission, turbocharger, cooling system, drive axle, air conditioning, fuel system, and key electrical system components including the alternator, starter motor, and power windows.
  • Powertrain: This basic powertrain protection covers the engine, transmission, turbocharger, cooling system, and drive axle.
  • Extra Care: This unique Carchex warranty option goes beyond powertrain components to cover the cooling system, electrical components such as the alternator and voltage regulator, the steering system, air conditioning, and high-tech elements like blind spot and lane departure sensors.

The highest mileage covered is 250,000, and plans can cover some vehicles up to 20 years old. Because of this, we recognize Carchex for having high mileage limits.

Carchex also lets drivers go to any licensed repair facility for coverage. Some companies restrict the network of available repair shops, so this is an important thing to note when you’re comparing CarShield vs. Carchex.

Carchex Benefits

Carchex offers some impressive perks with its extended warranty plans, including:

  • 24-hour roadside assistance (including lockout services, fuel delivery, and flat tire changes)
  • Towing reimbursement
  • Trip interruption benefits
  • Rental car reimbursement

Carchex Exclusions

Carchex exclusions are pretty similar to the CarShield exclusions listed above. There may be slight differences, so it’s always a good idea to consult sample contracts online for each company.


CarShield Vs. Carchex Price

CarShield offers low-cost plan options with especially low monthly payments. Based on our quote research, Carchex plans are a little more expensive. However, some CarShield plans offer the option to pay monthly for the length of the contract, which can end up being far more expensive in the long run.

Before comparing our price data, be aware that quotes can vary significantly between vehicles and drivers. Warranty costs are based on make, model, and mileage, plus variations in state regulations.

Cost of CarShield

We received two quotes from CarShield: one for a 2020 Honda Civic with 52,000 miles and another for a 2016 Subaru Outback with 110,000 miles. Here’s what we found:

VehiclePlanTermMonthly PriceDown
Payment
Price Per Year
of Coverage
Deductible
Honda CivicDiamondUnlimited/
month-to-month
$149.99N/A$1,319.88$200
Subaru OutbackGoldUnlimited/
month-to-month
$149.99N/A$1,799.88$200

Again, these prices might not apply to you. The best thing to do is get multiple quotes to find a low price. Even if you don’t find prices quite this low, we think CarShield is a great company and is worth the cost for coverage.

Cost of Carchex

One thing we like about Carchex is its Low-Price, No-Haggle Everyday Guarantee™. It means the price you’re quoted is the lowest price available.

While some people might like to negotiate prices, it can be nice knowing you’re looking at the lowest price from the start. Some other companies won’t offer discounts unless you specifically ask for them or show lower quotes from other companies, and that can be a hassle.

We received a few quotes from Carchex for the same vehicles listed above.

VehiclePlanTermPriceDown
Payment
Total
Cost
Deductible
Honda CivicTitaniumUnlimited/
month-to-month
$149N/A$1,319.88$200
Subaru OutbackPowertrain PlusUnlimited/
month-to-month
$149N/A$1,199.88$250

Similar to CarShield, the exclusionary plan from Carchex (Titanium) also had an affordable price of about $1,319.88 per year of coverage.


CarShield Vs. Carchex Customer Experience

When looking at customer reviews from sources other than the Better Business Bureau (BBB), CarShield fares much better than Carchex. For example, about 15,000 reviewers on Google rate the company 4.3 stars on average, and the company has a 4.2 out of 5.0 star rating on Trustpilot based on more than 48,200 reviews.

Positive reviews mention helpful staff and good claim fulfillment. The company has a number of complaints on the BBB, but when you consider the total number of customers, those complaints only account for a small fraction. Overall, most people have positive experiences with CarShield.

Get a free quote from CarShield below.

Carchex gets good ratings from industry leaders. It has an A+ rating and accreditation from the BBB as well as an award for Marketplace Excellence from the platform. It is known for being a reputable extended car warranty company with many happy customers. 

Customer reviews on the BBB give Carchex 1.93 out of 5 stars overall, and about 1,500 customers give the company 2.2 stars out of 5 on Trustpilot. Reviews say the customer service representatives are kind and personable, and that they explain every part of the warranty during the quotes process.

Some negative reviews are from people who were caught off-guard by certain repairs being denied coverage. You can reduce the likelihood of this happening by reading the contract thoroughly and asking for help in understanding each part.

Carchex and CarShield both have 30-day money-back guarantees, so make the most of that time to understand the coverage. The vast majority of Carchex reviews are positive, so you shouldn’t have any problems if you understand the contract.

To get a free quote from Carchex, click below.


Bottom Line: CarShield Vs. Carchex

At the end of the day, either of these warranty coverage providers would be a good choice for peace of mind when it comes to expensive repairs. Here’s a quick recap:

  • CarShield doesn’t cover vehicles in California.
  • Carchex has five plans, and CarShield offers eight.
  • CarShield covers up to 300,000 miles, while Carchex covers up to 250,000.
  • Carchex is best for used cars, and CarShield offers monthly payment options. 
  • Carchex has a stronger customer reputation on the BBB, but CarShield has a better reputation on Trustpilot.

So, which should you choose? Well, considering it only takes a few minutes to get a quote, we think you should get a quote from each of them. That way, you can compare which specific coverage options and monthly payment plans are available for your vehicle. We found CarShield and Carchex both to be top car warranty providers in our research, so you can’t go wrong with either of them.


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.