CARCHEX

CARCHEX Reviews

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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.

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

Featured Reviews

Fl, FL
Verified purchase
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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Jemison, AL
Verified purchase
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 extended warranty 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
Powertrain Plus CoverageComprehensive5 – 10 yearsVehicles with over 60,000 miles
Powertrain CoverageEssential5 – 10 yearsBasic coverage
Extra Care 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 extended warranty 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 CARCHEX extended warranty benefits 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.

What does CARCHEX not cover?

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. For specific questions, contact CARCHEX customer service for additional assistance.

CARCHEX warranty cost

The average price of a five-year CARCHEX extended warranty contract 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.

» COMPARE: How much does an extended car warranty cost?

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.
  • Powertrain Plus warranties provide comprehensive coverage, including major vehicle components.
  • Powertrain programs offer essential coverage for major vehicle systems.
  • Extra Care 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.

Can I cancel my CARCHEX warranty?

Yes. You can cancel your CARCHEX warranty by calling customer service or by writing a letter. If you cancel within 30 days of the effective date of the contract and you have not made a claim, you will receive a full refund.

Is a CARCHEX extended warranty 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.

CARCHEX Reviews

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    Page 1 Reviews 0 - 10
    Verified purchase
    CoverageSales & MarketingRefunds & Payouts

    Reviewed Jan. 10, 2025

    Unethical and misleading advertising, from a fundamentally unethical company! When I purchased the policy, I asked the agent whether I could do any covered repairs at the dealership. The agent said "ABSOLUTELY!" What he did not tell me was that they will not approve original equipment (OEMs) or the labor rates of a typical dealership. They also "neglected" to let me know that they don't cover screws, hoses, and all sorts of auxiliary items that repair shops will not put back into the car in fear that they may fail.

    When someone fails to highlight critical information, they "lie by omission". CARCHEX makes money when they DON'T provide service. They are not your friend. They are your adversary, who makes money when you end up paying out of pocket. You THINK that you have coverage, but really you DON'T. Save your money and the aggravation.

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    Price

    Reviewed Sept. 24, 2024

    Don't be fooled. They don't tell you that they only pay a portion of the cost for parts and labor. From that they subtract your deductible. On a 1650 bill, they paid 570. I had to pay upfront because they have a poor reputation with repair facilities with making payments or timely payments. Wish I'd known CarShield and CarChex are the same crooks.

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      Reviewed Sept. 8, 2024

      Do not use this company. They won't cancel my policy/warranty even though I've asked them to multiple times. They won't stop charging my credit card when I asked them not to. They won't take me off auto-pay.

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      CoverageSales & MarketingPriceRefunds & Payouts

      Reviewed May 21, 2024

      Not an absolute scam but you certainly do not receive what you expect from this company. Their sales pitch and website make it sound as though you can “pick any repair shop you want including the dealership”. Get an estimate for the work, call to gain approval, have the vehicle repaired and pay your deductible. Wrong. They rely on “national average repair rates and aftermarket parts costs”. What that means is that actually repairing your car will cost far more than their data shows. So you should be prepared for the program to cover maybe 50% of the cost before your deductible. For most repairs, you’d be better off if you simply saved the upfront cost of the warranty program and paid out of pocket for future repairs. Perhaps not a scam but certainly not as advertised on their webpage. Stay away.

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      Reviewed May 7, 2024

      They deceive. If repairs are needed, they will find a reason to refuse to pay for the repairs. If you terminate the contract, they do not return the full amount paid under the contract. If you haven’t used it, they still don’t pay. They count how long this contract lasted and calculate the money. They lie.

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      Customer ServicePrice

      Reviewed March 7, 2024

      The experience has been fantastic! The staff was helpful and friendly. I would recommend them. Awesome customer service! Very good experience. ABSOLUTELY AMAZING!!!! Everything was done well at a reasonable price.

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      Customer Service

      Reviewed March 7, 2024

      Strong customer service reputation. Very good experience. Awesome service. The staff was helpful and friendly. I would recommend them. Awesome customer service! Very good experience. Very satisfied and would use them again in the future.

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      PriceRefunds & Payouts

      Reviewed Feb. 29, 2024

      I purchased their Titanium plan which covered primarily bumper to bumper with $100 deductible. Was told can use any ASE or dealership for repairs. If you buy this plan, expect to pay out of pocket for much more than the deductible amount. They will lowball labor and parts prices. This plan through Carchex is administered by Royal Administration Services. I submitted two claims at different times. The first was for non working AC and a malfunction control arm. Total bill for both these repairs were $990.55 in which they paid only $517.59. Per the mechanic, they would only pay for a used aftermarket control arm part. I was told by the mechanic they could not warranty a used part, so I ended up paying out of pocket $472.96, well over the expected $100 deductible.

      Two years later, I needed a fuel pump. Plan paid only $319.58 out of a total bill of $1117.27, leaving me to pay the balance of $797.69. Again, well over the $100 deductible amount. Their methods to determine parts and labor cost do not reflect realistic prices and therefore the plan will end up paying significantly less than one would expect. I have had other extended warranties of which I never paid more than the deductible amount, and wish I would have stayed with those. This plan looks good on paper, but in reality will not pay out as expected. Please look for another vehicle warranty. Based on my two experiences, I would recommend staying away from Carchex/Royal Administrative Services. I would recommend not buying this plan.

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      Customer ServiceClaims Handling

      Reviewed Feb. 20, 2024

      Enroll with Carchex and paid 5 months, my brake & ABS light came on my dash, Had my car look at by a license mechanic on his computer and the repair cost $4,000. Had my mechanic call the claims and he was told need to show cause? I paid my mechanic $130 to check my car. Also I talk to the claim and ask them email me what is needed? They say can't email me and I told them I'm not a mechanic and what else is needed? After 20 minute over the phone I decided to cancel my plan. My car 2008 LS 460 Lexus only $20,000 miles like new.

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      Claims HandlingCoverageTechRefunds & Payouts

      Reviewed Nov. 4, 2023

      CARCHEX IS 100% PURE ***GARBAGE*** Please DO NOT GET THIS WARRANTY COMPANY!! I was a year into the policy and my A/C compressor went out. I filed a claim and once it got to the adjuster who supposed to pay for the claim they denied it! The adjusters will use every excuse to not pay the claim. I went to 3 different mechanics over a 30 day period including the dealership and everyone said the same thing that the A/C compressor was NOT WORKING AND THEY STILL KEPT DENYING THE CLAIM AND THE A/C compressor IS SUPPOSED TO BE COVERED ON MY POLICY.

      I paid close to $1000 out of pocket for diagnostics per a loyalty department customer service representative advice. I cancelled with them and I'm waiting on my refund. IF I DON'T GET THE PERCENTAGE OF MY REFUND WHICH IS 90% for Florida that's owed to me then I'm getting a lawyer and suing CARCHEX and posting more bad reviews everywhere I can!!! Please don't waste your time with CARCHEX. Save your own money in case of a breakdown. CARCHEX is a total rip-off!!!!

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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

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