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Vehicle Assurance Extended Warranty Reviews

Vehicle Assurance Extended Warranty scores a 3.8 out of 5.0 stars in 2024 based on reputation, cost, coverage, and customer experience.

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12/16/2023 09:21 PM

As your car ages, repairs can become more and more expensive. Vehicle Assurance strives to give drivers peace of mind with extended service contracts that can help you budget for unexpected repairs.

In this review, we’ll take a closer look at Vehicle Assurance plans, costs, customer reviews, and more to help you decide whether this provider is right for you.

Vehicle Assurance is one of many companies out there that provide extended warranties, so it’s a good idea to shop around and compare your options. We’ve reviewed the best extended car warranty companies in the industry. Get free quotes from a few of our top-rated providers below.

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

Vehicle Assurance Review: 3.8 Stars

Vehicle Assurance works with reputable vehicle service contract administrators and offers a wide range of plans. However, the auto service contract company has not made an effort to change its marketing and sales policies to respond to the BBB alert. It also has only negative reviews and complaints from customers, which isn’t a good sign. For these reasons, we do not recommend purchasing an extended warranty from Vehicle Assurance.

Review CategoryRatings Score
Customer Experience3.5
Overall Rating3.8

Vehicle Assurance Pros And Cons

Pros Wide range of coverage plans Plans accepted at any repair shop certified by the National Institute for Automotive Service Excellence (ASE®) Reputable contract administrators
Cons 1.1-star rating from customers on the BBB BBB alert about misleading advertising and unpaid claims

About Vehicle Assurance

Vehicle Assurance is an extended service contract provider based in Saint Charles, Missouri. It was founded in 2007 and also goes by the names Warranty Assurance and Absolute Warranty.

The company sells contracts through its website that cover vehicle repairs once your car’s original manufacturer’s warranty expires. The company works with a number of contract administrators including Omega Auto Care and American Auto Shield. Vehicle Assurance is not to be confused with EG Assurance, a different contract provider that sells only through dealerships.

As far as coverage goes, Vehicle Assurance offers a wide range of plans. However, the company also has a number of negative reviews along with a cautionary alert from the Better Business Bureau (BBB), which may sway you toward another provider.

Vehicle Assurance Warranty Coverage

Online, Vehicle Assurance offers three types of plans through two warranty administrators. Each type of plan has two slight variations depending on the administrator you choose. You might also find more options than the ones below by calling Vehicle Assurance directly.

Vehicle Assurance Plans

Below is a comparison of each plan Vehicle Assurance sells online:

PlanWhat It Covers
United Car Care Platinum Plus ProtectionCovers all components of the vehicle except for a list of exclusions
United Car Care Diamond ProtectionCovers 14 systems: engine, transmission, transfer case, drive axle, suspension, steering, brakes, electrical, air conditioning, cooling, fuel, luxury electronics, and seals and gaskets
United Car Care Powertrain ProtectionCovers 8 systems: engine, transmission, transfer case, drive axle, air conditioning, electrical, fuel, and seals and gaskets
Omega Auto Care New ExclusionaryCovers all components of the vehicle except for a list of exclusions
Omega Auto Care Used Stated ComponentCovers 13 systems: engine, transmission, transfer case, drive axle, air conditioning, suspension, steering, cooling, fuel, brakes, electrical, hybrid components, and seals and gaskets
Omega Auto Care Powertrain EnhancedCovers 7 systems: engine, transmission, transfer case, drive axle, fastening hardware, hybrid components, and seals and gaskets

Vehicle Assurance Warranty Benefits

All Vehicle Assurance warranty plans come with benefits of roadside assistance, rental car reimbursement, and trip interruption. The exact coverage limits vary by the administrator.

  • Roadside assistance: This benefit covers towing, lockout assistance, battery jump-start, fuel delivery, and spare tire assistance. Omega Auto Care covers $100 per occurrence and United Car Care covers $50 per occurrence.
  • Rental car reimbursement: This covers rental car costs up to a limit while your car is in the shop. Omega Auto Care covers up to $35 per day for 6 days. United Car Care offers $30 per day for up to 5 days.
  • Trip interruption reimbursement: Both administrators reimburse up to $75 per day for three days for food and lodging if you have a breakdown away from home. Omega Auto Care requires the breakdown to be 100 miles from home and United Car Care requires it to be 200 miles from home.

In addition to these, United Car Care offers tire protection on its Platinum Plus Protection plan. This covers $25 for tire repair and $100 for tire replacement due to road hazards with a maximum of $400 for the life of the contract.

Vehicle Assurance Exclusions

Like all extended warranties, Vehicle Assurance plans don’t cover everything. Here are a few examples exclusions:

  • Repairs without prior authorization
  • Damage from normal wear and tear
  • Wearable items like brake pads and wiper blades
  • Regular maintenance
  • Damage from lack of maintenance or misuse
  • Aftermarket components
  • Damage to a covered component by a non-covered part

Cost Of A Vehicle Assurance Extended Warranty

Vehicle Assurance doesn’t publish prices online. In fact, most extended warranty companies don’t, because prices are based on your vehicle, location, the level of coverage you choose, and your deductible. For example, cars with more miles need more work, so extended warranties will be more expensive for older vehicles.

Some cars cost more to repair than others by virtue of design, which means warranties for those vehicles will be more expensive, too. For example, an Audi extended warranty would cost more than an Acura extended warranty because Acura is a division of Honda and its cars have lower repair costs.

We’ve compared quotes from many providers and found that plans from the best companies cost between $350 and $650 per year of coverage. You can use that as a guide if you get a quote from this company. Just divide the years of coverage by the total price.

Icons showing what factors affect extended warranty cost.

How Vehicle Assurance Extended Warranties Work

Vehicle Assurance doesn’t have an instant or online quote form. Prospective customers need to call the company to get a quote. If you want to call, have your vehicle’s make, model, and mileage written down so a sales associate can accurately price your coverage.

Since Vehicle Assurance works with multiple providers, cancellations and transfer policies can vary. Omega Auto Care, American Auto Shield, and Heritage plans can be canceled within 30 days for a full refund. After that, drivers will get a prorated refund minus a cancellation fee, which is either $50 or $75, depending on the provider. United Car Care gives drivers 20 days from the date the contract was mailed to cancel for a full refund. After that, the refund is prorated minus a $50 fee.

Drivers can transfer plans from any company to a secondary owner for a fee ($40 to $75, depending on your state and provider). That’s good to know, because transferring a warranty can add to the resale value of your car in some situations.

When it’s time to file a claim, connect the repair shop to your administrator’s claims department. Your provider won’t pay for repairs without giving authorization before work begins. In some cases, you may need to authorize a teardown diagnosis, which you’ll pay for unless the repair is covered under your contract. After a covered repair is done, Vehicle Assurance will pay the repair facility directly. You’ll just have to pay your deductible, which varies between providers and plan options.

Vehicle Assurance Reviews

Vehicle Assurance has a C+ rating from the BBB and a 1.2-star overall from customer reviews. Vehicle Assurance is also lacking accreditation from the BBB and, as we mentioned, the BBB has issued an alert on Vehicle Assurance.

The BBB has received a pattern of complaints from customers about misleading advertising, unsolicited phone calls, and aggressive sales tactics. The BBB sent a letter to Vehicle Assurance about this issue in 2019, but the company did not respond. So, the BBB is urging customers to use caution when dealing with this company.

We usually consider both positive and negative reviews when rating a provider, but Vehicle Assurance has only received one positive review. The customer said their contract covered a transmission repair. Here are a couple of examples of other reviews:

“Vehicle Assurance itself had horrible servicing and the agents were so rude and disrespectful. They kept telling my husband that he was lying and accusing him of falsifying information. In the end, we ended up paying out of pocket about $6,700 to get a used motor put in.”
– John H., BBB

“I continuously receive solicitation from this company via mail and e-mail. The dealer from whom I purchased the vehicle has repeatedly advised me to be cautious about this company.”
– David R., BBB

Vehicle Assurance Warranty: Conclusion

Vehicle Assurance offers a good number of plans to choose from with benefits like roadside assistance, rental car coverage, and trip interruption reimbursement. That said, you may find longer coverage terms and more plan options from other providers on the market. We recommend comparing multiple companies.

Top Recommendations For Extended Car Warranties

Although Vehicle Assurance isn’t rated highly by consumers, there are plenty of reputable extended car warranty companies out there that can service your coverage needs. It’s a good idea to get quotes from different companies, because prices and plan eligibility will depend on your vehicle, and certain providers may be able to offer a better deal.

When you shop around for an auto warranty, look for sample contracts and ask sales representatives to explain the fine print. Get multiple quotes from leading providers to find the best option. Below, we’ve listed two of the highest-quality car warranty providers in the industry to help you get started in your search.

Endurance: 4.5 Stars

Endurance is a direct warranty provider, which means it doesn’t work with administrators to fulfill claims. Instead, it administers its own plans and works with customers to resolve claims. Out of the many companies we’ve researched, we’ve determined Endurance has the Best Plan Offerings available.

The company offers six plans that range from basic powertrain coverage to full bumper-to-bumper warranties. Additionally, Endurance offers 1 year free of Elite Benefits. Elite Benefits include roadside assistance, total loss protection, collision discount, tire repair/replacement, key fob replacement, and the Endurance mobile app.

Endurance warranty reviews indicate that customers are satisfied with the company’s coverage and customer service. Endurance has a rating of “Excellent” from over 8,700 reviews on Trustpilot.

To see what an Endurance warranty would cost for your vehicle, get a free, personalized quote.

CarShield: 4.3 Stars

CarShield is another great provider that offers a wide range of coverage options. Within its six plans, it can cover basic automobiles as well as motorcycles, all-terrain vehicles, and cars with high-tech equipment. CarShield stood out in our research because it offered some of the most affordable monthly payment plans.

The company is definitely worth checking out if you’re looking to stay under budget. CarShield reviews are also largely positive. The provider has a rating of “Great” from over 48,200 Trustpilot reviews, and it has been featured on networks like CNN, TBS, HGTV, and ESPN.

Use the buttons below to get a risk-free quote from CarShield.

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