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Extended Warranties

2873 messages,  Last post on Dec 02, 2009 at 2:13 PM

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Edmunds article: Third-Party Extended Warranty Scams

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#2864 of 2873 Re: Extended Warranty for Ford [jteef1] by deltheking Nov 08, 2009 (6:22 pm)
Replying to: jteef1 (Nov 08, 2009 5:56 pm) Do a google search for Ford Esp or do a search for Ford Forums. These forums have vendor ads from dealers that sell Ford warr. And most of those forum members buy from that vendor dealer. But a Ford manuf warr is the best to go . No way a 3rd party warr can be better than the manuf warr. They can go bankrupt anytime. And they dont pay any claims.   As to why the warr is cheaper with a car with 6k miles- My guess is that the car has been broken in,it has been driven for a few miles,so probably it has no problems at all. Whereas a new car is not yet driven and as of now it still is relatively unknown. I know it sounds weird and indeed it is, but that`s the best I could come up with.   Also there is a thread in Edmunds forums --Ford ESP online-- I think that`s the best place for your Ford manuf warr. Replies to this message: jteef1 (Nov 08, 2009 6:56 pm)
#2865 of 2873 Re: Extended Warranty for Ford [deltheking] by jteef1 Nov 08, 2009 (6:56 pm)
Replying to: deltheking (Nov 08, 2009 6:22 pm) Thanks. I am getting there. I just retired my 1997 Chevy Lumina (or it retired itself) with 199,000 miles - and I bought that used - so I haven't dealt with extended warranties for a long time.
#2866 of 2873 honda civic warranty by canlfc Nov 09, 2009 (8:08 am)
Hi,   I'm planning to buy a new 2010 honda civic LX and I'm wondering how much would the warranty cost? And for how long?   Thank you.
#2869 of 2873 Re: Extended Warranty for Ford [jteef1] by rpejsa Nov 21, 2009 (5:48 pm)
Replying to: jteef1 (Nov 08, 2009 11:32 am) Don't rely on any deductible reducing scheme unless it is on the contract. Most new car warranty plans expire at a given mileage, so if your car has 6000 miles on it there are 6000 miles gone already off the coverage. ie a 70k warranty on a 6000 mile car is really a 64000 mile program.
#2870 of 2873 2005 Freestyle Coverage? by tacomaguy Nov 23, 2009 (4:56 pm)
We have an AWD 2005 Freestyle Limited. It only has 22,800 miles on it after almost five years now. We love the car and will probably keep it for at least four or five more years. I'm worried about the CVT, steering, electronics. I called Access Warranty and didn't like their high pressure. The guy I talked to said "their company and Interstate" were the best in the business. After reading these posts, though, I'm about ready to go with Ford Warranties. Anyone have experience with Interstate or Ford ESP? Is the "FORD ESP" actually a Ford warranty or is it just a third party who sells a policy with the name "Ford" in it? How about transmission repairs on this "CVT" transmission. I've read that most shops replace rather than repair this.. $6,000!
#2871 of 2873 2005 Saturn Vue Extended Warranty - should I buy one? by dmchugh70 Dec 02, 2009 (12:19 pm)
I have a 2005 Saturn Vue with 68,000 miles on it, and I'm the original owner. When I bought the car, the dealer "threw in" a 60,000 mile warranty, which has expired. I am considering keeping the car and driving it as long as it will last. But I'm leery of future repair costs, since I've always traded cars in after four years. The car is in pretty good shape, (last year I had to replace the brakes and struts), but the rear wheels are now making a load roaring sounds while driving (dealer told me the wheel bearings need replacing on the rear 2 wheels for $1,000.+). I've been advised to purchase an extended warranty, and contacted my Saturn dealer who told me they couldn't sell me a manufacturer backed warranty since my original warranty had expired, but they could refer me to a 3rd party company which they liked, either UAL or CNA. I called them both and read their contracts, but both are only for mechanical breakdowns and not for wear and tear or overheating. The fine print is pretty eye-opening. I checked into the AAA referred company backed by Enterprise Financial Group, and they offered the same thing. None of these options sound good to me, and they all want $2,100 - $2,700. for a 4 year warranty. Is buying the factory backed warranty GMPP online a good way to go? Has anyone had experience with them they could share? Would they sell me an extended warranty if my original one expired and the car has 68K miles. I keep going round and round on the question "buy a warranty vs. save your money for repairs vs. trade now." I"m trying to make the best decision that will be most financially responsible but haven't found an option that feels right. Thanks! Replies to this message: tacomaguy (Dec 02, 2009 2:13 pm)
#2872 of 2873 GMPP past orig. wty by rayainsw Dec 02, 2009 (12:32 pm)
"Is buying the factory backed warranty GMPP online a good way to go? Has anyone had experience with them they could share? Would they sell me an extended warranty if my original one expired and the car has 68K miles."   No, GMPP cannot be purchased past the orig wty period.
#2873 of 2873 Re: 2005 Saturn Vue Extended Warranty - should I buy one? [dmchugh70] by tacomaguy Dec 02, 2009 (2:13 pm)
Replying to: dmchugh70 (Dec 02, 2009 12:19 pm) I'm in the same boat as you. Trying to make sense of the different coverages is hard. It comes down to how good is the company at paying claims and what do they cover/not cover? In two years, you will be at 100,000 miles. The policies that I have seen are 5 yr/60,000; 6 yr/75,000, etc. Even if you buy a four year contract, you will hit the mileage limit before the years run out. 30,000 and 60,000 miles seem to be where things start to go wrong. You are right, "wear and tear", "over-heating" and "gaskets and seals" clauses are important to get from what I have learned. My 2005 only has 22,800 miles after almost 5 years so even after 5 more years, I will still be under 50,000 miles. Insurance is insurance. If we want to sleep at night, we have to decide if we need the coverage based on how hard it would be to get the car repaired if (when) it breaks down. Would you probably be around town or out in the desert somewhere? Also, "pre-existing" conditions are usually never covered. Good luck trying to get a claim paid within the first six months. These companies have seen it all so they know how to spot a bogus claim. ALL insurance companies are in the business of just collecting our money and never wanting to pay claims, aren't they. I checked Oregon's AAA and they were the most expensive. A good source would be your Credit Union or your dealer's third party insurer. It may cost you a bit more than getting coverage through the internet but how much is peace of mind worth to you? I would try to get the most miles I could and go with the most deductible that you feel comfortable with. Myself, I'm shopping for years, not miles.

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