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How to buy an affordable extended car warranty online

woman buying extended car warranty online

Before you begin your search for an affordable extended car warranty, you have to be very clear about what is an extended warranty, what does it cover, and what are the different options available.

A vehicle service contract, also known as an extended warranty, basically extends your coverage after your manufacturer’s warranty has expired. This coverage can cover your bills in case of a major repair. You can choose to get this type of coverage through the same dealership where you bought your car or through an independent company that’s not connected to your carmaker.

If you’re looking for coverage, the most convenient option is to look online. Here are the steps you should take.

1. Check if your car is still under the car manufacturer’s warranty

If you’ve bought a used car, you’ll want to check if your car is still under warranty. If your car is new, you’ll want to know how long you’re covered. To check if your car is covered, you can call your local dealer, give them your car’s VIN number and the mileage of your car.

How long do most manufacturer’s warranties last?

You should know that manufacturer’s warranties cover different parts of your car during different time frames. For example, a toyota warranty normally gives their car owners:

  • A three-year or 36,000-mile limited bumper-to-bumper warranty
  • A five-year or 60,000-mile limited powertrain warranty
  • A five year rust warranty (regardless of mileage)

Should you buy an extended warranty if your car is still under the car manufacturer’s warranty?

Signing up for a vehicle service contract while your car is still under the manufacturer’s warranty can be a great way to secure the best rate for extended coverage. The less mileage your car has, the better. Also, remember that car manufacturer’s warranties can sometimes deny you coverage if you haven’t followed the stipulations of their warranty. Having a low-cost vehicle service contract can ensure you’ll be covered if you have a breakdown.

Read our recent blog to know if your car is on the verge of a breakdown.

2. Make sure you can get an instant quote

When you begin your search, you’ll come across several sites offering coverage for car repairs. You will notice that not all companies are able to provide you with instant quotes. They’ll get you on the phone and provide you quotes there, which is a hassle and usually leads to getting pressured by salespeople to buy services you don’t need.

You want to look for companies who have transparent pricing and can tell you upfront how much your monthly payment will be. Get quotes for several companies before you make your decision.

Know what information you need for an extended car warranty instant quote

You will most likely need to provide the year, make and model of your car. You’ll also need to provide the mileage. You can check your mileage by looking at your car’s odometer on your dashboard.

3. After the quote, check all components covered and any extra perks

You will likely receive quotes for different types of car repair coverage available. In general, extended car warranty companies can offer:

Coverage of all major parts This is known as comprehensive coverage and it’s similar to bumper-to-bumper warranties that a car manufacturer offers. This is coverage that covers most major components of your car, including the suspension, fuel delivery systems, A/C, electrical systems, etc. 

Coverage of the engine, transmission, driveshaft, differentials and axles – This is basic coverage, similar to powertrain warranties, that only cover the car parts that make your car “go”. 

Make sure the company provides a clear list of all the components covered as well as what extras are included. Extras may be things like roadside assistance, cash back to spend on car maintenance and auto-concierge services that support you when anything goes wrong with the car.

4. Check if you can take your car to any repair shop or if you’re required to take it to specific ones

Not all extended car warranty companies provide you with the liberty to take your car to any repair shop. Some companies require you to use their repair shops or specific dealerships. If you would like the freedom to choose where to get repairs, make sure this is included in your plan.

5. Check reviews and BBB before you buy

Before your purchase, make sure that you check reviews of the company and check what their BBB rating is. Great reviews can show that a company is trustworthy and has credibility.

Vehicle Repair Protection is a great option for affordable coverage

Vehicle Repair Protection is coverage you can buy 100% online. It’s a low-cost monthly plan that allows you to choose any repair shop, gives you great perks like cash back on maintenance, and provides discounts worth thousands of dollars. It’s an easy way to have comprehensive coverage over any expensive car repair down the line and save money on other expenses. has created vehicle breakdown coverage that is simple, trustworthy and affordable.

Transforming the extended car warranty marketplace through technology and transparency, offers a full suite of worry-free, no haggle car care plans through low-cost, 100% online, monthly subscriptions that drivers can sign up for in less than five minutes. Get an instant quote today!