Affiliate Disclosure

An extended warranty can provide peace of mind that vehicle repairs will be covered after your factory warranty expires. Vehicle Assurance offers many different contracts, but it tends to get negative reviews from customers. 

In this review, we’ll take a look at what Vehicle Assurance covers, along with information about its customer service history and reputation. If you’re looking for the best extended car warranty, we suggest getting easy, free quotes from our top recommended providers below. We’ve reviewed many popular companies, and these providers proved to be the best in the industry. 


Best Extended Car Warranty Companies
We reviewed every major warranty company for coverage, affordability and more. Here are our recommendations.
Best Provider Best for High-Mileage Cars Most Affordable
Endurance CARCHEX CarShield
Editor’s Rating: Editor’s Rating: Editor’s Rating:
★★★★★ ★★★★½ ★★★★½
Get Quote Get Quote Get Quote
(877) 374-1840 (866) 254-0205 (800) 563-2761


Table of Contents:



Is a Vehicle Assurance Extended Warranty Worth It?

Vehicle Assurance is a vehicle service contract broker that offers a large number of plans through four different administrators. The company was founded in 2007 in St. Charles, Missouri. You can get plans in any state except California through the Vehicle Assurance website. 

The company is fairly average when it comes to coverage options, cost and transparency. However, it doesn’t have a good customer service reputation. In fact, we did not find any positive reviews on the Better Business Bureau (BBB) or the company’s Google profile. Vehicle Assurance currently has a B+ rating from the BBB along with a notice warning consumers of a pattern of complaints.

Overall Rating 5.4
Industry Reputation 5.0
Coverage 7.0
Warranty Cost 6.0
Transparency 7.0
Customer Experience 2.0


Is a Vehicle Assurance extended warranty worth it? Because of the company’s concerning customer feedback, we recommend choosing a different provider.



Vehicle Assurance Extended Car Warranty Coverage

At first glance, Vehicle Assurance offers an almost dizzying array of extended warranty plans. There are 11 in total. In reality, the company offers standard coverage choices through four different vehicle service contract administrators: United Car Care, Omega Auto Care, American Auto Shield and Heartland. Each administrator offers two or three plans, and many of them are very similar. 

United Car Care Plans

  • Platinum Plus Protection: Bumper-to-bumper extended warranty coverage for almost any mechanical breakdown, except a list of exclusions
  • Diamond Protection: Covers specific parts of the engine, transmission, transfer case, drive axle, suspension, steering, brakes, electrical system, seals and gaskets, air conditioning and heating, engine cooling, fuel system, high-tech parts and luxury electronic systems
  • Gold Protection: Covers parts of the engine, transmission, transfer case, drive axle, seals and gaskets, air conditioning, electrical and fuel systems

Omega Auto Care Plans

  • New Exclusionary: Bumper-to-bumper coverage
  • Used Stated Component: Covers the engine, transmission, transfer case, drive axle, air conditioning and heating, seals and gaskets, suspension, steering, engine cooling, fuel system, brakes, electrical system and select hybrid components
  • Powertrain Enhanced: Covers the engine, transmission, transfer case, drive axle, seals and gaskets and hybrid components (plus optional add-ons)

American Auto Shield Plans

  • Diamond Protection: Bumper-to-bumper coverage
  • Platinum Plus Protection: Covers the engine, transmission, drive axle, engine cooling, transfer unit, electrical, steering, seals and gaskets, air conditioning, suspension, brakes, high-tech parts, fuel system and audio center
  • Gold Protection: Covers the engine, transmission, engine cooling, transfer unit, drive axle, air conditioning, electrical system, fuel system, and seals and gaskets

Heartland Plans

  • Exclusionary Coverage: Bumper-to-bumper coverage
  • Hi-Tech Used Coverage: Covers most systems of the vehicle, including high-tech components, navigation and extra electrical parts


What Vehicle Assurance Doesn’t Cover

Even the most comprehensive bumper-to-bumper extended warranty doesn’t cover everything. Here are a few examples of parts and situations that are excluded from Vehicle Assurance coverage: 

  • Damage from lack of maintenance or misuse
  • Damage from the environment or accidents
  • Cosmetic damage, glass and paint
  • Wear items like brake pads and engine belts
  • Regular maintenance services
  • Regular wear and tear
  • Pre-existing conditions

Each plan requires a waiting period of at least 30 days and 1,000 miles. If you drive infrequently, some plans will require you to wait 90 days and 200 miles before you can file a claim. 


Vehicle Assurance Extra Benefits

Most plans through Vehicle Assurance offer the following added benefits:

  • Roadside assistance: Covers towing, flat tire changes, lockout assistance, fuel deliveries and battery jump-starts
  • Rental car reimbursement: Covers rental vehicle costs up to a certain amount if your car is in the shop for a covered repair
  • Trip interruption: Reimburses for food and lodging if you have a breakdown over 100 miles from home
  • Tire hazard protection: Reimburses up to $100 per tire if a road hazard caused irreparable damage (included in some plans)

Each Vehicle Assurance contract has slightly different terms for these benefits. Roadside assistance covers up to $50, $75 or $100 per occurrence depending on the provider, for example. Consult your contract for exact terms.



Cost of a Vehicle Assurance Extended Warranty

Vehicle Assurance doesn’t publish prices online or provide an online quote tool. In one BBB review, a driver reported receiving a quote with a monthly payment of $100, which is right around the average monthly cost of an auto service contract. Your own quote may differ, however. The age and mileage of your vehicle will influence the prices you’ll find, since repair costs increase as cars age.

In our research, we found most plans from leading providers can cost between $1,700 and

$3,000, depending on the vehicle. You can use that as a guide if you get a quote from Vehicle Assurance. The company says it offers a wide range of no-fee payment plans to fit any budget. Vehicle Assurance contracts have a standard deductible of $100, but other options are available. 



How to Get a Quote and File a Claim

Speaking of quotes, the only way to get one from Vehicle Assurance is to call in with your information. Be prepared to provide your car’s year, make, model, mileage and vehicle identification number (VIN). Interestingly, the Vehicle Assurance website says there is an online quote form, but when we tried to fill it out, the actual form was missing. 

To file a claim, you can go to any repair shop certified by the National Institute for Automotive Service Excellence (ASE®). Once there, have the shop contact your contract administrator to initiate the claim. Your administrator will need to authorize any repairs before work begins. 

You may need to authorize a diagnosis or tear down, and you’ll have to pay that charge if the repair is not covered. If the repair is covered, you’ll only pay your deductible to the shop.



Vehicle Assurance Extended Warranty Reviews

As we mentioned, Vehicle Assurance has a pattern of negative reviews. The BBB has received a number of complaints about aggressive phone calls, poor customer service and unpaid claims. Customer reviews on the site mirror those themes. Here are a few examples: 

“Do not sign up with this company. It is a complete scam. When my vehicle started having motor issues after a few months, this company made up several different stories to get out of not paying the claim.”

– John H. via BBB

“I had a bad feeling about buying this extended warranty, and it’s turning out to be a scam.”

– Michael M. via BBB

“This company has been harassing me for over a year about buying into their vehicle service contract. I have written and told them not to call me or send me their mail. They continue to call at least two or three times per week and send me notices by mail.”

– Carolyn V. via BBB



Our Verdict on Vehicle Assurance: 5.4 / 10.0

Vehicle Assurance offers numerous contracts, and you can go to any ASE-certified repair facility for repairs. However, considering Vehicle Assurance’s poor track record for customer service, we recommend you check out other reputable extended car warranty companies instead. 



Our Picks for Best Extended Car Warranties

There are plenty of options for extended warranties from companies that are trustworthy and reliable. We’ve researched the best providers on the market, and based on factors like affordability, customer service, coverage options and more, we recommend going with a company like Endurance or CARCHEX to cover vehicle repairs. 


Endurance: Best Provider

Overall, Endurance is hard to beat. The company performed well across each of our scoring categories. It can cover vehicles up to 15 years/200,000 miles and offers a wide variety of extra benefits, including tire replacements for your first year of coverage. Plus, the vast majority of people who have purchased an extended warranty from Endurance have a positive experience, as reflected in the company’s 4.2 out of 5.0-star rating from over 1,500 reviews on Trustpilot. 

For more information, check out our extensive Endurance warranty review. Get a free quote from Endurance and compare plans by clicking the link below. 


Best Provider

Editor’s Rating:


Industry leader that offers no-interest payments of 12-24 mo.

Get Quote

(877) 374-1840


CARCHEX: Best for High-Mileage Cars

CARCHEX is another great option for extended warranty coverage. CARCHEX can cover vehicles up to 250,000 miles, so it’s ideal for high-mileage cars. The company offers five different plans that range from bumper-to-bumper to basic powertrain coverage. CARCHEX also has a roadside assistance app, which can take the hassle out of calling for help on the highway. 

Check out our CARCHEX review for more information on this provider. You can also get a free online quote from CARCHEX by clicking below. 


Best for High-Mileage Cars

Editor’s Rating:


Offers comprehensive service and covers vehicles with over 100,000 miles

Get Quote

(866) 254-0205

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