CarShield Plans, Coverage, Benefits and Exclusions (2022)

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CarShield offers 6 extended warranty plans with levels of coverage ranging from an affordable powertrain to full bumper-to-bumper protection.

Our research shows that CarShield has some of the lowest warranty rates available.


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CarShield’s 6 coverage levels include options for Hi-Tech, Motorcycle/ATV, and Spanish-Speaking. The chart below provides a closer look at CarShield coverage for each of its plans:

CarShield Warranty Plan Overview
Diamond CarShield’s most comprehensive plan. It covers everything from engine and transmission failures to starter motor and fuel pump problems, with only a few exclusions.
Platinum It covers the engine, transmission, air conditioning, electrical system and more. Best for the high mileage car owner who wants the most protection.
Prayed It covers a variety of major and minor vehicle parts, including the water pump, alternator, and starter motor. Best for an owner of an older or high mileage vehicle that is in good shape (covered components are usually related to expensive repairs).
Silver CarShield’s most affordable plan is a powertrain plan that covers the most important parts of your vehicle, including the drive axle, transmission, and water pump. Best for an owner who wants basic coverage for expensive repairs on an older vehicle without paying a premium price
Aluminum Covers most electrical and computer-related problems, including the engine control module and starter motor. Best for an owner primarily concerned with potential electrical and/or vehicle computer related issues.
specialty Covers motorcycles and ATVs. Best for an owner looking to cover their motorcycle or ATV.

Are you choosing to extend the life of your car? CarShield coverage plans range from essential components to bumper-to-bumper and can be tailored to fit your needs. With a mileage limit of 300,000, CarShield coverage can benefit vehicles ranging from new cars to high-mileage used cars: most cars, trucks,

If you’re interested in learning more about any of the specific CarShield plans, we’ve done individual reviews of the top 5 plans (excluding the special plan) that CarShield offers. Links to articles on CarShield plans are below:

What does CarShield cover?

CarShield Extended Warranty coverage ranges from essential component coverage to full coverage. Because everyone has different needs, CarShield offers plans for each level of coverage. A full CarShield warranty covers almost all parts of your car, while a powertrain warranty covers all lubricated parts of your engine, transmission, and water pump.

Car Shield coverage

CarShield extended warranties can cover hundreds of vehicle components or just the essentials after the factory warranty expires. The following list contains important information about CarShield warranties and what each plan covers:

Repairs covered by CarShield

covered part silver plan gold plan platinum plan diamond plan plan aluminum specialty plan
motor
transmission
Driveshaft(s)
fuel pumps
transfer case
Water Pump
air conditioners
fuel supply system
Fuel injector
direction
suspension
break system
alternator
Electric system
instrument groups
GPS navigation
factory audio
beginning
Electric windows
radiator
wiring harness

Benefits of CarShield coverage

CarShield is more than an extended warranty for your car. In addition to covering repairs, CarShield comes with a number of additional benefits that can make your life easier. Please note that not all benefits come with all plans and coverage amounts vary.

  • Trip interruption coverage: CarShield will reimburse you up to $50 per day and a total of $150 for trip interruption.
  • Rental Car Reimbursement: If you need to rent a car, CarShield will reimburse you up to $40 per day and $280 per breakdown.
  • Emergency roadside assistance: 24-hour roadside assistance ($125 per breakdown and $500 total) is available if you need a tow, jump start, tire change, lockout service or fuel delivery.

What CarShield does not cover

CarShield warranties won’t cover all car repairs, but it’s important to know the most common exclusions before you sign a contract. CarShield exclusions, many of which are industry standard, include:

  • Repairs made without prior authorization
  • preexisting conditions,
  • Damage due to lack of maintenance
  • theft or vandalism
  • Environmental damage
  • Misuse of the car (racing or off-road)
  • Vehicle Alterations or Modifications
  • Damage from normal wear and tear
  • *Diamond and Platinum plans cover oil leaks
  • Oil leaks that are not the result of engine failure
  • Odometer tamping.

How does Car Shield work?

With a mileage limit of 300,000, CarShield coverage can benefit vehicles ranging from new cars to high-mileage used cars. Most cars, trucks, SUVs, and crossovers are eligible for coverage. Additional rules and restrictions regarding CarShield coverage include:

  • Mileage limit to be eligible for coverage: The company will cover vehicles with up to 300,000 miles
  • When your coverage begins: CarShield’s waiting period for coverage is 20 days and 500 miles after purchase. This policy is designed to protect CarShield from a necessary repair that the customer knew about before purchasing coverage. CarShield representatives can even make notes of your vehicle’s problems when you enroll in coverage.
  • Transfer Ring Coverage: Additionally, CarShield has a transfer policy that allows you to transfer your coverage if you sell your vehicle while you still have coverage. Those who are eligible can pay a $50 administrative fee to have it transferred.
  • Coverage network: If you need auto repairs while your car is under contract, you can take your vehicle to the dealer or a National Institute for Automotive Service Excellence (ASE®)-certified repair center for covered repairs.

How to use your CarShield coverage

If you have a CarShield plan, you may be wondering what the process is for filing a claim. Follow these steps to file a claim and use the coverage provided in your CarShield plan:

  • The first step is to take your vehicle to a mechanic within the CarShield network.
  • Once at the repair center, give them your contract and allow them to contact the CarShield claims department.
  • If your claim is approved, the administrator will pay the mechanic directly and you will be responsible for paying your deductible.
  • It’s important to note that CarShield has a list of exclusions, so be sure to check them before filing a claim.

CarShield Coverage Reviews

While CarShield’s customer service is below average, the company makes up for it with flexible coverage options, which allow you to choose the level of coverage that’s right for you. Plus, CarShield’s flexible eligibility rules and specialized coverage options mean they’ll cover many vehicles that the competition won’t. In our CarShield review, we rated the company 9.5 out of 10.0 for coverage (it’s rated 9.0 out of 10.0 overall). Essentially, the company’s coverage rating is higher than its overall rating.

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CarShield Warranty Plans: Conclusion

In the guide, we discuss CarShield plans, coverage, exclusions, and benefits. We examine the various components that protect CarShield coverage levels and how CarShield coverage works. We also analyzed some user reviews to see what customers think about the company’s service.

Overall, we think CarShield is a great option if you’re looking for an extended warranty. The company offers many levels of coverage to choose from, so you can find one that suits your needs. CarShield also has few eligibility requirements and an extensive network of certified repair facilities.

CarShield Coverage Plans: Frequently Asked Questions

Here are some common questions about CarShield plans:

Does CarShield cover motorcycles?

Yes, CarShield has special plans that cover motorcycles.

Does CarShield cover the transmission?

Yes, all CarShield plans cover the transmission.

Does CarShield cover brakes?

While CarShield covers parts in the brake system, it does not cover brake shoes, rotors, or pads because those parts are considered wear items.

What is the mileage limit on CarShield coverage?

CarShield vehicle service contracts can cover your car for up to 300,000 miles.

Does CarShield cover old cars?

Yes, CarShield covers many user cars, even older high-mileage vehicles. While the price to cover older vehicles is often higher, CarShield offers plans that cover parts that are more likely to fail, like the engine, transmission, and drive axles.

Does CarShield cover body damage?

No. Generally, bodily injury is not covered under CarShield plans because it is considered cosmetic. The insurance covers bodily harm in the event of an accident. Instead, CarShield plans cover repairs related to mechanical breakdowns.

Does CarShield cover catalytic converters?

No. American Auto Shield, the company that administers many of the CarShield plans, does not include coverage for catalytic converters in its additional emissions coverage, although other emissions components such as the oxygen sensor and EGR are covered.

methodology

The Detroit Office collects data from all the major auto warranty providers to formulate rankings of the best warranty companies. Our in-depth rating system takes into account coverage, pricing, transparency, customer satisfaction, and ratings from industry experts. Each vendor receives a weighted score across five categories, as well as an overall score of 10.0.

We recommend auto warranty companies based on these ratings, but we also encourage you to do your own research and compare quotes to find the best coverage.

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