Is CarShield Worth it in 2025?
Car repairs aren’t cheap, and that’s where extended warranties like CarShield promise peace of mind. But is CarShield worth it in 2025? With rising repair costs and a growing number of warranty providers, it’s important to dig deeper into what CarShield actually offers. In this review, we’ll explore its coverage plans, real customer feedback, pricing, and whether it’s a smart investment for your vehicle this year.
Overview: What Is Carshield?
CarShield is a third-party provider of extended vehicle service contracts, often marketed as auto warranties. These plans help cover the cost of certain mechanical repairs after your factory warranty expires. Founded in 2005, CarShield offers multiple coverage options for new, used, and high-mileage vehicles.
Unlike manufacturer warranties, CarShield partners with administrators to handle claims and works with certified repair shops nationwide. Plans vary by vehicle type and budget, covering components like the engine, transmission, air conditioning, and more. Just like reading the fine print on a bill of lading in car shipping, understanding your CarShield contract is key to avoiding surprises when it’s time to make a claim.
Is CarShield Legit?
Yes, CarShield is a legitimate company that provides extended vehicle service contracts and has paid out millions in claims since 2005. However, while many customers report positive experiences, some have raised concerns about denied claims and customer service. It’s important to carefully review the terms and check if local repair shops accept CarShield before buying.
Reviews on Authentic Platforms:
CarShield Reviews on Authentic Sites
Better Business Bureau (BBB)
CarShield holds an A+ rating from the Better Business Bureau (BBB), indicating that the company meets high standards for trust and customer service. However, it’s important to note that CarShield has received over 2,800 complaints in the past three years, with many related to order issues, service or repair concerns, and billing disputes.
Consumer Affairs
On Consumer Affairs CarShield has a 2.9 out of 5 stars rating, based on 289 user reviews. While some customers report positive experiences, others have expressed dissatisfaction with the claims process and customer service.
Yelp
Yelp reviews for CarShield are mixed, with many users sharing concerns about denied claims and poor customer service. Some customers have reported difficulties in getting repairs approved, while others have had positive experiences with the coverage provided.
CarShield Industry Standing
CarShield is one of the more prominent players in the extended auto warranty industry, having served over a million customers since 2005. Known for its wide range of coverage plans and nationwide network of repair shops, it holds a strong presence in the market. While it enjoys positive reviews and an A+ BBB rating, it also faces criticism typical for the industry, especially around claims and customer service.
How Much Does CarShield Cost?
CarShield pricing varies based on your vehicle’s make, model, age, mileage, and the coverage plan you choose. Typically, plans range from around $600 to $2,500 per year. You can select deductibles between $100 and $250, which affect your monthly or annual payments. CarShield also offers flexible monthly payment options, making it easier to fit into your budget. Keep in mind that costs will vary depending on your specific vehicle and chosen coverage level.
What Does CarShield Cover?
CarShield offers multiple coverage plans that include protection for major vehicle components such as:
- Engine and transmission systems
- Fuel system
- Electrical systems and wiring
- Air conditioning and heating
- Steering and suspension components
- Brake systems (depending on the plan)
- Towing and rental car reimbursement (in select plans)
Coverage specifics differ by plan, so it’s important to review your contract carefully to understand what is included.
What Does CarShield Not Cover?
CarShield does not cover everything. Common exclusions include:
- Regular maintenance services (oil changes, filters, brake pads)
- Pre-existing conditions or repairs needed due to lack of maintenance
- Wear-and-tear parts like tires, batteries, and brake pads in many plans
- Damage from accidents, theft, or natural disasters
- Modifications or aftermarket parts not approved in the contract
Always read the fine print to understand limitations and exclusions in your specific plan.
CarShield Warranty Coverage
CarShield offers a range of extended vehicle service contracts that act as protection plans when your manufacturer’s warranty expires. These plans are designed to help cover costly repairs for both essential and advanced components. Whether you drive a brand-new car or an older model, CarShield has customizable coverage options to fit different needs and budgets.
CarShield Warranty Extended Plans
| Plan Name | Coverage Details | Best For |
|---|---|---|
| Diamond | Closest to manufacturer’s warranty; covers engine, transmission, A/C, electronics, and more | Newer or high-end vehicles |
| Platinum | Comprehensive coverage for major and minor parts including engine, A/C, steering, etc. | High-mileage vehicles |
| Gold | Powertrain plus coverage — engine, transmission, water pump, alternator | Basic protection with affordability |
| Silver | Powertrain coverage — engine, transmission, drive axle only | Older or budget vehicles |
| Aluminum | Specialty coverage for electronic components, navigation, and sensors | Vehicles with high-tech systems |
| Motorcycle/ATV | Customized plans for motorcycles and ATVs | Powersport vehicle owners |
CarShield Warranty Cost
CarShield plans typically cost between $99 and $130 per month. The exact price depends on your vehicle’s make, model, age, mileage, and the plan you choose. There are no long-term contracts, and monthly payments are flexible.
CarShield Warranty Discounts
CarShield often provides discounts for:
- Military members and veterans
- Senior citizens
- First-time customers
- Occasional seasonal promotions
Be sure to ask a representative or check their website for the most current deals.
CarShield Warranty Deductibles
Depending on your selected plan, CarShield offers deductibles ranging from $0 to $100 per repair visit. A $0 deductible plan can reduce your out-of-pocket costs, although it may come with a slightly higher monthly premium.
CarShield Transparency
While CarShield prides itself on offering transparent coverage plans, some customers have raised concerns about transparency and claims handling. The lack of real-time online quotes and occasional difficulties in canceling policies have drawn scrutiny. However, the company’s commitment to providing flexible plans and choice of mechanics speaks volumes about its dedication to customer satisfaction.
CarShield Customer Service
CarShield provides customer service through various channels, including CarShield phone number support and online portals. Customers can reach CarShield’s customer support at 1-800-587-4603 from Monday to Friday between 7:00 AM and 8:00 PM (CST), and on Saturdays from 8:00 AM to 3:00 PM (CST). The company also offers an online portal for claims management, with the claims department accessible by phone from Monday to Friday between 7:00 AM and 6:00 PM (CST), and on Saturdays from 8:00 AM to 3:00 PM (CST).
CarShield Waiting Period
CarShield enforces a mandatory waiting period of 20 days and 500 miles before coverage kicks in for new vehicles. This waiting period serves to ensure that the warranty does not cover pre-existing conditions, providing a fair and transparent process for all customers.
CarShield Claims
CarShield offers a straightforward claims process, starting at 20 days/500 miles. Customers can contact the claims department of the administrator of their contract to file a claim, with repairs authorized and paid directly by the administrator if approved. Despite some criticisms, CarShield continues to handle claims efficiently and effectively for many customers.
Does CarShield Pay Its Claims?
CarShield claims to have paid thousands of claims for its customers, demonstrating a commitment to honoring its contractual obligations. While some customers have reported issues with denied claims and repair delays, many others have had positive experiences with the company’s claims process. It’s essential for customers to review their contracts carefully and understand the claims process before making a claim.
CarShield vs Alternatives
CarShield is a popular choice for extended vehicle warranties, but how does it stack up against other leading providers? Below are quick comparison tables showing how CarShield compares with Endurance, CARCHEX, and Olive.
CarShield vs Endurance
| Feature | CarShield | Endurance |
|---|---|---|
| Coverage Plans | 6+ customizable plans | Direct provider with 6 plans |
| Deductible Options | $0–$100 | $0–$200 |
| Waiting Period | ~20 days | 30 days |
| Claims Handling | Outsourced (via American Auto Shield) | In-house |
| Added Perks | Roadside, rental, trip interruption | Roadside, rental, tire repair |
CarShield vs CARCHEX
| Feature | CarShield | CARCHEX |
|---|---|---|
| Years in Business | Since 2005 | Over 20 years |
| Coverage Levels | 6+ options | 5 tiers (including specialty) |
| Inspection Required? | No | Sometimes |
| Availability | All 50 states | All 50 states |
| Better for | Budget-conscious drivers | Older/high-mileage vehicles |
CarShield vs Olive
| Feature | CarShield | Olive |
|---|---|---|
| Plan Flexibility | Wide variety of plans | Digital-first, instant quotes |
| Mobile Experience | Standard | Strong mobile interface |
| Monthly Cost | ~$99–$130 | ~$40–$100 |
| Deductible | $0–$100 | $0–$100 |
| Claims Process | Third-party | Direct, streamlined |
Pros and Cons of CarShield
Pros
- Wide range of customizable coverage plans
- Available in all 50 U.S. states
- Affordable monthly payments starting around $99
- No long-term contracts – monthly flexibility
- Includes perks like roadside assistance and rental car reimbursement
- Fast vehicle pickup/delivery (24–48 hrs)
Cons
- Some complaints about denied claims
- Uses third-party administrators for claims (not direct)
- Customer service experience can vary
- Not all repair shops accept coverage
- Coverage may not start until after a 20–30 day waiting period
Is CarShield Any Good?
Yes, CarShield is a solid option for drivers looking for affordable, customizable extended vehicle warranty plans, especially for used or older vehicles. It stands out for its flexible pricing, plan variety, and added perks like roadside assistance.
Conclusion
CarShield is a solid option for protecting against unexpected car repair costs, offering affordable plans and a range of coverage options. While reviews are mixed, it remains a popular choice. Just be sure to review your contract and match a plan to your specific needs before signing up.
FAQs
How much does CarShield cost on average?
What repairs does CarShield cover?
Is CarShield worth buying?
Does CarShield cover brakes?
Does CarShield cover towing?
Does CarShield cover oil changes and other preventive maintenance?
Does CarShield cover electrical problems?
What is CarShield phone number?
Roadside Assistance:
- 1-866-222-7869
- Open 24 Hours – 365 Days / Year
- Claims
American Auto Shield:
- 1-800-859-9923
- M-F 7:00AM – 6:00PM (CST)
- SAT 8:00AM – 3:00PM (CST)
Payment Processing:
- 1-800-587-4603
- M-F 7:00AM – 8:00PM (CST)
- SAT 8:00AM – 3:00PM (CST)
Customer Service:
- 1-800-587-4162
- M-F 7:00AM – 6:00PM (CST)
- SAT 8:00AM – 3:00PM (CST)
Sales:
- 1-800-588-8501
- M-F 7:00AM – 10:00PM (CST)
- SAT 8:00AM – 7:00PM (CST)
- SUN 8:00AM – 5:00PM (CST)
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