How Does CarShield Work? (2024)

How Does CarShield Work? (Complete Guide)

CarShield can provide vehicle protection plans that save you money on auto maintenance and repair costs. They understand that everyone's needs and budgets differ, so they offer flexible coverage options, making it easy for you to find the right plan to meet your needs and budget.

Upon choosing a plan, you'll appreciate the flexible payment terms that are easy on the wallet, offering comprehensive coverage at affordable prices.

CarShield understands your needs for budget flexibility, so they work hard to provide a custom, stress-free payment plan tailored to fit your financial situation. CarShield contracts will protect your vehicle if something goes wrong. Here’s how it works:

Choose a Plan

CarShield offers several different coverage plans designed to suit different types of vehicles and their respective needs. The CarShield cost is affordable and does not void your extended warranty.

The exact details and costs of each plan can vary, but the primary options usually include: New Car Diamond, Platinum, Gold, Silver, Aluminum, Motorcycle and ATV Coverage, and High-Tech plans. It’s critical to review the vehicle service contracts with each plan.

Enrollment

After you've selected a plan, you'll sign up and pay the initial fee. The cost will vary depending on the specific plan, your vehicle, and other factors. You may be offered a monthly payment schedule or an option to pay in full for a certain period of coverage.

Waiting Period

There may be a waiting period between when you sign up and when your coverage begins. This is to prevent people from purchasing a plan when they already have a problem with their car.

Use of Service

If your car experiences a mechanical failure or breakdown covered by your CarShield plan, you can file a claim. This typically involves contacting CarShield's claims department and providing them with the details of the situation.

Repair Process

After your claim is approved, you'll take your vehicle to a certified mechanic or repair shop. The repair shop will communicate directly with CarShield about the required repairs and costs. CarShield will then pay the repair shop directly after the deductible (if any) is paid.

Customer Service and Claims

Throughout the process, CarShield provides customer service support to answer any questions or address any issues you might have. You can contact them by phone, email, or through their website.

What Is Included With CarShield?

24/7 Roadside Assistance

One of the key features of CarShield is its 24/7 roadside assistance. This service is designed to help when you need it most, whether due to a breakdown, a flat tire, or an empty fuel tank.

With this feature, you'll never have to worry about being stranded on the side of the road, giving you peace of mind during your travels. There are various CarShield plans available for you to choose from too.

Up to 300,000 Miles of Coverage

CarShield offers up to 300,000 miles of coverage, which is more than many other extended auto warranty providers. This means your vehicle can be protected for a longer period, giving you extended peace of mind.

The exact mileage of coverage will depend on the specific plan you choose, but the potential to cover up to 300,000 miles is a significant feature.

Rental Car Reimbursem*nt

If your car needs to be in the shop for a covered repair, CarShield provides rental car reimbursem*nt. This means you won't be left without transportation while your vehicle is being fixed.

The specifics of the rental car reimbursem*nt will depend on your plan, but it's a valuable feature that can save you money and keep you on the move.

What Does CarShield Cover?

CarShield acts like an extended coverage plan, and you can get added protection for your engine, transmission, and many other key vehicle components. You’ll get full vehicle protection with the CarShield extended warranty plan.

Each plan has specific coverage details, terms, and exclusions, so it's important to read and understand your contract before signing. Be sure to ask a CarShield representative if you have any questions about what is covered under the plan you're considering.

With CarShield coverage, you can keep your vehicle and your wallet better protected. They work with extended car warranty companies to provide some of the best plans.

Benefits of Using CarShield

CarShield customers rave about the benefits of using this coverage. We’ve also gathered CarShield warranty reviews to compile these key benefits for you to consider.

Extended Coverage

CarShield stands out by offering extensive protection beyond your vehicle's original warranty. Particularly beneficial for aging vehicles or for those planning long-term ownership, CarShield ensures continued protection against mechanical or electrical failures.

Its coverage effectively bridges the gap when your manufacturer's warranty expires, offering peace of mind in knowing potential repairs are covered.

Financial Protection

Major auto repairs can strain your finances unexpectedly. CarShield's extended auto service plans shield you from these unexpected repair costs.

By paying a regular premium, you create a buffer against the high cost of unforeseen repairs, effectively managing and reducing the financial risk associated with potential breakdowns, thereby providing stability and assurance.

Use of Any Licensed Repair Facility

CarShield provides the flexibility to choose any licensed repair facility for your car's needs. This freedom to select where your vehicle is serviced allows you to work with trusted local mechanics or dealerships.

This ensures you have control over the repair process. It eliminates the need to stick to a specific network of repair shops, adding convenience to quality service.

Direct Payment to Repair Facility

Upon claim approval, CarShield directly pays the repair facility, sparing you from the need to pay out-of-pocket and then wait for reimbursem*nt initially. This streamlines the repair and payment process, alleviating the financial stress often associated with vehicle repair scenarios.

With CarShield, you're only responsible for your deductible if one applies, making the process simpler and more efficient. I was also impressed with the CarShield Customer Service.

How to Get a CarShield Plan

Step 1: Review Available Plans

Before getting a CarShield plan, the first step is to review the different plans they offer. CarShield has various coverage options, including comprehensive plans that cover a wide range of systems and components in your vehicle.

Step 2: Get a Quote

Once you've chosen a plan that meets your needs, the next step is to get a quote. You can do this by visiting the CarShield website and entering some basic information about your vehicle, such as make, model, year, and mileage. Based on this information, CarShield will provide a quote for the plan you've selected.

Step 3: Contact a CarShield Representative

After receiving your quote, reach out to a CarShield representative to discuss the details of the plan and finalize your coverage.

This representative can answer any questions you may have about the plan, help you understand the fine print, and guide you through the process of purchasing the plan.

Step 4: Sign Up and Pay

Once you're satisfied with the plan and its terms, the next step is to sign up and pay for the plan. You can typically choose between a monthly payment schedule or paying in full for a certain period of coverage.

The payment process can be completed online or over the phone with a CarShield representative.

Step 5: Review and Understand Your Contract

Once you've signed up and paid, you'll receive a contract detailing the terms of your coverage. It's essential to read and understand this contract thoroughly, as it will explain what is covered, any exclusions, your responsibilities, and how to file a claim.

Interacting with a CarShield Representative

The process of purchasing an extended warranty with CarShield is straightforward. The CarShield representative you'll speak with can guide you through the available options, explain the details of each plan, and answer any questions you may have.

Their aim is to provide you with a clear understanding of what your CarShield contract entails. They make filing CarShield claims as simple and stress-free as possible.

Trusting CarShield Reviews and Ratings

As with any service, it's important to check CarShield reviews before making your decision. Many customers have shared their experiences online, with many highlighting the ease of filing CarShield claims and the helpfulness of CarShield representatives.

While it's wise to take individual reviews with a grain of salt, the overall trend can give you an idea of what to expect.

When looking for unbiased CarShield reviews, you might want to consider sources like the Better Business Bureau. In addition to hosting customer reviews, they provide ratings for businesses based on a variety of factors, including customer complaints and business transparency.

How Does CarShield Work? (2024)

FAQs

Does CarShield actually pay out? ›

In addition to touting their own Shield Repair Network of repair facilities, the defendants assured consumers that “When your car needs repair, you take it to your favorite mechanic or even your dealer, and CarShield gets them paid directly.” According to the company, “There are even plans that will pay for your rental ...

What are the cons of CarShield? ›

CarShield Warranty Pros and Cons
PROSCONS
Strong financial ratingsSome customers assert difficulty getting claims approved
$1 billion in paid claims, demonstrating commitment to customersInstant quotes are unavailable online
1 more row
Jul 12, 2024

What does CarShield not cover? ›

CarShield Coverage Exclusions

Damage from pre-existing conditions before the warranty took effect. Damage to normal wear and tear items like windshield wiper blades, brake pads and air filters. Damage caused by a lack of regular maintenance. Issues related to acts of nature, car accidents, theft and vandalism.

How much is the average monthly payment for CarShield? ›

However, based on quotes we received during our research, you can expect to pay between $110 and $140 per month for a warranty plan from CarShield. Our quotes from the top warranty companies indicate that most drivers pay an average of $108 per month, $848 per year and $2,845 in total for extended warranty coverage.

Is CarShield a sham? ›

In our research, we found that CarShield is not a scam, despite its ratings and complaints on the BBB. The amount of complaints on the site is just a small fraction of its customers and the CarShield plans it sells.

Do you have to pay a deductible with CarShield? ›

CarShield Deductible

All deductible options include $0, $50, $100, $150, $200, and $250. If you have a deductible, CarShield will pay the repair shop directly, leaving you with a small payment that would otherwise cost more without an extended warranty.

Is there a better company than CarShield? ›

What companies are better than CarShield? Our team rates Endurance and Carchex higher than CarShield. However, our overall ratings for these companies are similar. CarShield is a reputable company that provides quality extended vehicle protection and takes our award for Affordable Monthly Payments.

How long do you have to have CarShield before you can use it? ›

CarShield Policy

The company's high mileage limit separates it from competition in terms of used vehicle coverage. Waiting period: CarShield's waiting period for coverage is 30 days and 1,000 miles or 90 days and 200 miles after purchase.

Why does CarShield have so many complaints? ›

The majority of complaints online are related to pricing and service, as many report that CarShield misrepresented the costs or coverage payments for some services. Some report that their warranty coverage never took effect, or that they were overcharged for policies after having been quoted a lower price.

Why does California not allow CarShield? ›

Because California law prevents unlicensed companies from selling mechanical breakdown insurance (MBI), an extended warranty equivalent product, in the Golden State. In this article, we will explore the details of mechanical breakdown insurance as well as: Look at the uniqueness of California insurance law.

Will CarShield fix my transmission? ›

This plan is our most popular contract because it is most similar to the manufacturer warranty that accompanies a new car. Covering issues ranging from engine and transmission failures, to starter problems, and fuel pump breakdowns.

Can you cancel CarShield anytime? ›

Your subscription to Carshield is cancelable at any time according to the terms of your contract.

Does CarShield ever pay out? ›

Yes, CarShield really does pay for covered repairs to your vehicle, as long as you have an active CarShield vehicle service contract. Your covered repair claims will be fully paid to your mechanic or dealer by your CarShield plan administrator, but you are responsible for the deductible and any uncovered parts.

Is CarShield worth getting? ›

The extended warranty provider has a 4.0-star average rating out of 5.0 on Trustpilot, backed by more than 30,000 customer reviews. On Trustpilot, over 65% of reviewers rate CarShield as “excellent.” Over 10,000 reviews on Google give the company a rating of 4.2 stars.

Does CarShield pay for breaks? ›

Does CarShield cover brakes? CarShield plans cover parts in the brake system, but they don't cover brake pads, shoes, or rotors. CarShield covers parts such as the master cylinder, power assist booster, and actuators.

Does CarShield require a down payment? ›

CarShield allows you to pay month-to-month or buy a long-term plan. Each of these plans also require a down payment equal to the first month's payment. In addition, CarShield offers multiple deductible options. Remember that choosing a lower deductible will increase the overall cost of your plan.

How old of a car will CarShield cover? ›

California MBI Coverage by Endurance
New
QualificationLess than 4 years old and under 50,000 miles
Effective DateRight away
ExpirationTime- or mileage-based term or 150,000 miles
Term Options4 years/40,000 miles through 6 years/90,000 miles
1 more row
May 28, 2023

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