CARCHEX
AUTHORIZED PARTNER

CARCHEX

 4.2/5 (362 ratings)
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CARCHEX

About CARCHEX

CARCHEX helps you purchase and maintain your car by offering various vehicle products, including extended auto warranties. Rather than offering its own plans, CARCHEX works with multiple third-party warranty providers. These vehicle service contracts cover repairs due to mechanical failures or malfunctions but not collisions. Plans also come with additional benefits like roadside assistance and towing.

    Overall Satisfaction Rating

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    Pros

    • Available in California
    • Partners with charities
    • Accepts high-mileage cars
    • Lower-cost plans available

    Cons

    • Doesn't cover exotic vehicles
    • Some contracts aren't renewable

    Bottom Line

    Consider CARCHEX if you’re looking for an extended auto warranty, especially if you have a high-mileage vehicle. Although its contracts can be confusing, company representatives can help you understand what you're signing.

    Top CARCHEX Reviews

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    Rated with 5 stars
    Verified

    The sign up process was really simple and easy. The associate gave me a lot of information and answered all of our questions. ... I had hard questions and if he didn't know the an...

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    Rated with 5 stars
    Verified

    I spoke to a young lady at CARCHEX. ... She was there to help me and she didn't let anything stop her. She was able to lower the price. The plan sounded like a pretty good deal. I...

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    CARCHEX warranty cost

    The average price of a five-year contract with CARCHEX is about $1,500. Expect to pay approximately 2 cents per mile of coverage. However, costs vary based on your vehicle’s mileage, year, make and model. The best way to get a better idea of your cost is to get a quote directly from CARCHEX.

    CARCHEX lets you pay for your extended warranty over a maximum of 24 months. No down payment is required during this period. CARCHEX accepts all major credit cards, and it has a 30-day, money-back guarantee in case you decide CARCHEX isn’t right for you.

    CARCHEX plans

    CARCHEX offers five coverage levels that span 16 different warranty plans from different providers.

    Plan nameType of coverageTerm lengthsIdeal for
    Titanium CoverageBumper-to-bumper7 – 10 yearsComprehensive coverage
    Platinum CoverageStated-component5 – 10 yearsShort-term coverage
    Gold CoverageComprehensive5 – 10 yearsVehicles with over 60,000 miles
    Silver CoverageEssential5 – 10 yearsBasic coverage
    Bronze CoverageMajor systems5 – 6 yearsAffordability

    Every CARCHEX warranty is, at a minimum, a powertrain warranty. This means that your vehicle’s transmission, drive axle(s) and engine are covered along with the other components that send power to the wheels.

    CARCHEX coverage

    CARCHEX’s coverage is available for vehicles with up to 250,000 miles. This coverage kicks in after a waiting period of 30 days and 1,000 miles, but this is a fairly standard requirement among extended auto warranty providers. Once you’re past the waiting period, CARCHEX covers authorized vehicle repairs made at licensed service facilities. You can use its mobile app or website to find a vehicle repair facility near you.

    All of CARCHEX’s plans are transferable, and coverage is available in California, which isn't true of many warranty providers. However, not every warranty is renewable.

    Additional benefits from CARCHEX include:

    • Towing
    • Vehicle lockout services
    • Rental car coverage
    • Roadside assistance
    • Emergency fuel delivery

    You can also opt for emissions coverage, key fob protection and luxury electronics coverage.

    A CARCHEX auto warranty won’t cover everything, though. Modified or aftermarket components aren’t covered, including lift kits or trailer hitches. CARCHEX also doesn’t cover regular maintenance items like oil changes or consumable parts like tires, wiper blades and spark plugs. Check your vehicle service contract for details.

    CARCHEX FAQ

    What does CARCHEX cover?

    CARCHEX offers five levels of coverage, with 16 plans available through its various providers. These plans range from bumper-to-bumper to powertrain coverage.

    • The Titanium tier provides bumper-to-bumper coverage.
    • Platinum plans offer CARCHEX’s highest level of stated-component coverage.
    • Gold-tier warranties provide comprehensive coverage, including major vehicle components.
    • Silver programs offer essential coverage for major vehicle systems.
    • Bronze contracts are CARCHEX’s lowest level of coverage, often covering the vehicle’s powertrain.
    Is CARCHEX legitimate?

    Yes, CARCHEX is a legitimate company that partners with multiple warranty providers and is registered with reputable third-party organizations.

    Where is CARCHEX available?

    CARCHEX is available in all 50 states. Check the company’s website to make sure there’s an authorized repair facility near you.

    Is CARCHEX worth it?

    CARCHEX is worth it if you’re considering an extended auto warranty. Its coverage and additional benefits, like roadside assistance and fuel delivery, can provide peace of mind and save you money. Plus, its app makes it easy to find a licensed repair facility.

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    5 featured reviews
    How do I know I can trust these reviews about CARCHEX?
    How do I know I can trust these reviews about CARCHEX ?
    • 3,847,420 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 5
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 21, 2022

    I bought a Chevrolet Tahoe and I got it straight from the dealership. They work with just one warranty, and the one they sell is $2,400 for 24,000 miles. There was no other option, and I always knew that I was getting a bad deal with the warranty I had because it was the one that the dealership pushes automatically to go through to customers.

    Carchex was really helpful. I stayed on the phone half an hour with them, getting over everything, but it was good. At the beginning, I was getting a two-year warranty and it was 24 payments, but the guy I talked to made a mistake. A manager called me back and said, "Oh, so we cannot divide the 24 months of warranty to 36. It's going to be 24. But I'm gonna make you a good deal." He offered me a third year so I can divide it in 36 payments. Instead of 3,600, it was 4,000 and I ended up taking the 4,000 one that he offered me. It was a lot more than I was getting and it wasn't that much money.

    The warranty the Chevrolet dealership would have offered me would have been 40,000 miles, three years. Carchex gave me 50,000 miles, three years. I got much more in miles with Carchex, and everything's been great as far as the deal and the payment. I already paid the first month. Also, when I bought my warranty, they offered to send me a $50 gift card in the mail if I told a friend and he bought a warranty for his car.

    CARCHEX response

    Gianfranco,

    Thank you for your review! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

    Be the first one to find this review helpful

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 10, 2022

      I've been with Carchex ever since my factory warranty wore out. So, it should be about 10 years that I've been with them. I'm very happy and satisfied with them. I just renewed my warranty with them. I went from Hyundai and they were not doing their job and I was concerned. So, I started to go to another mechanic. I had check to make sure first that he was qualified with CARCHEX also and he was. He's very happy with them too. Sometimes, it's very hard to get ahold of Carchex because everybody's calling them but when I get ahold of them, they're very knowledgeable. The last time I called them, I didn't even know what I was calling about. The mechanic told me what I needed and told me to give them a call.

      I called Carchex and told them what the problem was and the guy explained what the problem was and exactly the detail what they wanted the mechanic to do. He said what the mechanic was doing and what they wanna pay him for it. I was gonna have to pay the $100 on it but everything else, they were gonna pay to him. Carchex explained the detail to the mechanic that works with my car and paid him very fast also. He said that he sent them a bill in the morning and they sent a check in the afternoon. One of the things that I was impressed with was that when I called Carchex up, they asked me the right questions, and I told them what I think. They figured out how much it was going to be and the first thing they did was tell me if they could cover it or not.

      CARCHEX response

      Renaldo,

      Thank you for leaving your review with us! We are happy to have you as a CARCHEX customer, and glad we could assist.

      Be the first one to find this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Oct. 4, 2021

      Carchex can make it a bit easier to get quotes without having to talk to a person. When you go to their website, it tells you to put in your information for an instant quote, and that's a lie. It just takes your information and then sales guys start calling you. If it says I can buy online and I can get a quote online, how do they know I'm not sitting at work and I don't want someone calling me at that moment? Maybe I'm in a meeting and I'm just playing on the internet and I don't want them to know it. Maybe I'm an educated person who can read the benefits and I just want to buy it without having to go through that call where they read to me what I already know.

      What the website really is saying is get a phone call right now. Carchex needs to be clear about that in their marketing. The first time I did it, they called me and I told them I wasn't interested. Three weeks went by and I thought, “Man, my warranty’s expiring so I’m gonna have to suck it up.” Apart from that, the reps were great and the benefits of the plan are very similar with SilverRock. However, SilverRock was 50% less expensive and I had only a $50 deductible. I saved a lot more money with it, but sadly, it expired.

      Also, with the initial stuff I got online from Carchex, I had a 30-day and 500-mile waiting period from the day that I got the warranty. They sent me the book in the mail and it said 30 days and 1,000 miles. They tried to change it up on me, and it's a small difference normally, but during COVID, that's a big difference. I had to call them and they fixed it, which is why I stayed with them. I didn’t like that very much though, because the average consumer is not going to read that big book and realize that it said something different than what they were told and what their initial email said.

      11 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Oct. 3, 2021

      I have a 2015 Subaru Forester. It's a very good car and I only have 72,000 miles on it. My warranty on my car was either 100,000 miles or seven years. I maxed out on the seven years. I also bought the extended warranty that covered everything. That is exactly what I wanted and the gentleman that I spoke with was able to give me the similar package, good through 120,000 miles for the next three years. I was happy with how much it was per month.

      Having a protection plan is very valuable. I just had to have my entire front axle replaced, for the CV. The way that the Subarus do it, when you have a bad CV boot in the front, it's connected in with the axle. They replaced the whole thing. My extended warranty that I had covered it, so all I had to do was pay $100. It was going to be almost $900 to have it done. When things are that expensive, you need a warranty to make sure you're going to be covered. I'm 75 years old and I don't want to have to come up with 1,000 or 2,000, or if the transmission would go, up to $5,000.

      I did some research before I chose Carchex. It's not the most expensive or the top of the line. It's number three of the top five. I checked out the other two, and they were much too high for the same product, so I decided to go with Carchex. I had a very good experience with them and although I haven't had to use it yet, I'm very happy with the program that I got.

      Be the first one to find this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Sept. 14, 2021

      I Google and read some B2B and the two names that kept coming up were Carchex and Endurance. I went with Endurance to start with but the guy there was terrible. I have a hearing disability and he was not willing to accommodate that. I told him to go pound sand. The next day, Carchex called. I spoke with a rep and it was to respond to the sheet I had filled out the night before. She was awesome. She immediately made me feel I was important and what I wanted was important even though she wasn't pushing herself.

      She connected me to another rep and he did a great job hearing my dilemma and why I didn't buy a warranty from the dealer. He talked through things and told me what he had. I could have been more curious but I wasn't because he satisfied what it was that I wanted to know. I mentioned to him my story with Endurance and about how I'm a disabled veteran. He said they had stuff for veterans and I got an $800 discount for being one, which was awesome. The thing I liked about Endurance was it’s an entirely self-enclosed organization where Carchex is outsourcing and they are the handler. But I didn't see the cost saving to Endurance’s approach. It's about on par. Theirs was 4,700 and Carchex was 4,800. Cheaper for me would be by 10%.

      The only thing is I would like more details available online so folks who are in my position don't have to sit on the phone and listen when that's not always advantageous. Carchex could also provide a link to the different plans. Consumers end up getting forced into a specific plan that's most advantageous to the vendor and not to the consumers. Companies come with a plan that they think would fit a consumer. But I want something that reasonably ties to what I have. Here's my pay and here's what my budget is. On the Carchex side, that wasn't bad. But it would be nice to self-service the whole thing like I do an insurance policy with USAA. I log into the system and it gives me all my options there. I'm fully aware of everything. At the end of it, you do this closure where you agree to these things and you put your signature.

      8 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 21, 2022

      The application process was simple and easy. The Service Contract Representative was helpful and knowledgeable of the plans available to meet my needs. She outlined the coverages and costs and made a recommendation. She was also aware of a promotion to lower the total cost.

      CARCHEX response

      Mark,

      Thank you for leaving your review with us! Very glad we could assist. Please reach out at any time should you have any additional questions regarding your plan.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 21, 2022

      Very happy with the coverage. It is a very good plan. The service was very good as well. Thank you and I will definitely recommend more people for this insurance. Friends and family as well. Customer service was also very helpful for me. They explained everything perfectly for me.

      CARCHEX response

      Afat,

      Thank you for your review! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 16, 2022

      Carchex offered a reasonable plan for my vehicle and they were better than the other ones that I was looking at. Everything was good when I signed up with them. The process was smooth getting everything set up.

      CARCHEX response

      Rico,

      We appreciate your review! Please reach out at any time should you have any additional questions regarding your plan.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 15, 2022

      The sales rep of Carchex gave me one price and I told him I had another one that was cheaper and he knocked the price down some more. I was satisfied. I also like that they'll take the payment out of my account and I don't have to worry about missing the payment.

      CARCHEX response

      Dennis,

      Thank you for leaving your review with us! We are happy to have you as a CARCHEX customer, and glad we could assist.

      Be the first one to find this review helpful
      Rated with 3 stars
      Verified Reviewer Verified Buyer
      Original review: June 14, 2022

      Their plan options were okay. Customer service, I wouldn't give it any super high marks from the standpoint that, when I got the contract in, it had some incorrect information. It wasn't anything critical, but I asked them to correct it. At first, I talked to different people. The first one said they couldn't do it. The second one said they could do it. They sent me another contract, but they didn't make any of the changes to the incorrect data. I was not thrilled about that.

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      CARCHEX Company Information

      Company Name:
      CARCHEX
      Company Type:
      Private
      Year Founded:
      1999
      Address:
      118 Shawan Road, Suite 210
      City:
      Baltimore
      State/Province:
      MD
      Postal Code:
      21030
      Country:
      United States
      Website:
      www.carchex.com