Endurance Warranty

Also, I was told I was going to get some coupons for Amazon because I paid for the whole thing upfront. I thought that was awesome. I was good with just taking the cash off but the coupon was equal. They said we had to do the coupons because I had to deal with Amazon. That made my policy even a better deal. But you have to actually get the coupons for the good deal to be there. I was told that normally, people make payments so I would get one coupon on the front end and another coupon on the back end. The guy that was green said that I would get both coupons on the front end. He said I would get one right away then I would get one three months later. But I haven't received any. That's a small snafu.

The green guy told me the cost for a month. I said, “No, hold on. I don't want to do that. I'm looking to pay the whole thing off, and is that a discount?” He didn't know and he would have to get ahold of somebody else. He would call me back the next day. I have three of these, “I'll get back with you, call you back tomorrow,” because the guy was green. I get that he was new at a job but I really needed and wanted cash. Also, they never explained how the payment was going to be made. They just said I would get a credit.

One thing that I liked about Endurance was they offered a warranty through my bank at work. My credit union is right at the end of the parking lot and that's really handy to use. But they didn't even make the top 20. They wanted to have a loan on the vehicle but I didn't really want to pay interest on a vehicle just to have a warranty. I did the Consumer Reports and Endurance rated the highest. I didn't have to have a loan and that was one of the reasons I went with Endurance. I read through my policy and I have to have a log of all my maintenance and all my stuff and I kind of get that. By the time I bought the warranty, everything all-in was 47,000 bucks. I’m like, “Is this for their benefit to not pay for something because I should have done something better the way they wanted it done?”

It's just I had a little confusion on the sign-up and I haven't gotten my promised benefit yet. I had confusion about getting a copy of the policy. It went through a couple of different people. They kept wanting me to download it off their site but I wanted them to mail me a paper copy so I could read it. Why would I want to read a warranty on my cell phone? That basically demands that you have a computer and a printer at home, which I do. Finally, I got ahold of a guy who gave me a link and who would actually work on the printer. The third guy was a smart one and knew exactly what the issue was. He was going, “I don't know why the first two people did that, but this is the easy way to do it.” He finally mailed a copy to me. But that was a one-two-three process to get a copy of the policy.

The warranty industry has been eroded by a lot of charlatans. I've gotten quotes all over the place. One would be $4,700 and with less coverage. It didn't cover this and it didn't cover that. I got quotes for $2,100 that didn't begin to cover the things that were important to me. It was all powertrain. Most of these engines and the powertrain in most of these vehicles now go 300,000 miles without any issues if you service them regularly. But it’s all the little electronic things that could go wrong with age and with time. Those are the things that concern me because I don’t want something not working in my car. If it’s not working, I'm not comfortable.

I want everything that's in that car to be functioning. I got vibrators in my backseat and reclining back seats. I've got power sunshades and the side windows in the back window. I've got a bar in the car. It's all factory put in there. I have a fancy sound system too. My particular car felt like a limo. And most of those things, I never sit in the backseat to use all of them. But I want them working anyways. If something isn't functioning, I want it fixed.

I had been dealing with a company called Alfa Warranty and they've changed a lot of their policies. Another company has kind of taken them over. I had my car covered under them and that was a great policy that I'd had for five years. It's coming to an end in November. I wanted to renew before that expired and I know that there was a 30-day wait. I went online and there was some kind of a promotion for the top 10 companies for warranty extensions. Endurance was one of the top four listed in there. I contacted all of them. They came up with what I thought was the best policy for what I wanted to fill my needs, ad pricing-wise, and everything. It was taken into consideration. I went with them.

When I first called, they had my name on file for some reason that they quoted me on my Hyundai. It was probably a year or two earlier on another vehicle that we were purchasing for my wife. Their rep talked to me and she was a little snide. She said, “Well, we already quoted you on that. It's still the same.” She was not rude, but was a little curt. I said I didn't recall but I asked if they could send it to me and let me know what it was. She had gone back through it again. Somebody else then followed up.

The person I talked to when I finally decided to pull the trigger on it was exceptional. He was absolutely wonderful and he made sure all the T's are crossed I's were dotted. He explained things really well. He answered every question that I had and didn't dodge any issues. I felt that there was integrity in the individual, so I was very comfortable in making that final decision. The only question that I have now is where I should pay the $78 a month. Do they take that out automatically? That's what I'd like them to do. I put it on a debit card.

Long story short, the extended warranty that I had on the car when I purchased it had 4,000 miles left to it, and it was gonna expire. And then, when my husband went to bring the car, they asked about it. We looked, and sure enough, there was an extended warranty, and I only had about 4,000 miles before it would have expired based off of the mileage. So, when we were in a Nissan dealership while they were finishing up with the car, I blurted out the question, “I wonder if I can do an extended warranty on an extended warranty?” And the girl there was like, “Yeah, you can.”

She gave us the number to the guy at the Nissan dealership and for us to give him a call. I called and scheduled an appointment. It was on a Friday, but he wouldn't be able to see us until Monday. I panicked. I know we will not go over these miles, but let me just look somewhere else. I went online, and that's how I came about with getting to Endurance.

The guy that I talked to was awesome. He was really nice, very informative, and just broke everything down. I just explained to him what literally just took place. We just got the car back. I said, “This is what's going on. With this pandemic, I can't afford, or god forbid, anything else like this to happen.” Because what was about to be a good $1,500 job, we only have to pay 200 something. When he explained how extended warranties work, I said, “Look, I need this to be covered pretty much for the life of the car or 100,000 miles, something more than just what it was.” Because we just bought the car and I didn’t want it to come up on an expiration that could easily happen. He explained everything. He told me what the pricing was. I asked, “Does it cover everything that would potentially have a comma in the price tag?” And he said, “Yes, everything under the hood.”

He started naming off parts. I asked, “Sir, if it has a comma, that means it’s expensive. Does it cover it?” “Yeah.” “Okay. That’s all I need to know.” The engine, the scary stuff, I need to make sure that the car is covered. He made sure that it was. So, it was a great experience considering I've never done that before and just did it on a whim. I panicked because of how much we were potentially about to have to pay. I don't even know where the money would come from. In the end, it worked out very well.

I know that anything that needs to be done or covered is covered. It’s better than the car insurance. I don’t know what will happen if, God forbid, you’re in an accident. But I know that if anything was to break down in the car that is not under the wear and tear stuff, I know that my car is covered. And where we brought it to, they were excellent. Not only do we know that the extended warranty is gonna work, but even a place that we bring the vehicle to is perfectly fine.

Signing up wasn’t difficult and they gave me a little bit of time. The person was calm and I told her that it was very important to be patient and calm because there are people whose guard is gonna be up. I don't like to have a pushy salesperson so the minute I see something like that, I'm turning deaf ears or hanging up the phone. This particular lady wasn't like that and wasn’t cutting you off. I had the opportunity to ask her how she measures up with other companies. She was honest and upfront.

The communication with the rep was good and she explained what they have to offer and the coverage. But I have to call Endurance for some promotions that I’m supposed to benefit from now. I have not yet seen those and my time is running out. I just had some concerns with the promotional part of it. For instance, if you say you will get three years and then you get two years extra for free, it's like you'll never make it to the two years based on the terms that they have and mileage. So that should be eliminated from anyone's promotion because it’s not true.

It’s easy to say that after my coverage begins, then I’ll have some time to then try it out. But there’s no way to try out the warranty unless it’s there and it’s not right now. The waiting period is not doing anything for me. They did say that I can get that back before the 30 days but that’s like jumping ship. You need to be aware of updates that they would need to do but I can’t try it out and it has not actually started. I started this week. If the person wants to be able to cancel, it sounds like you can only cancel before you get started. So that will be a major problem with me and this is where I have the heavy weight on my mind and decide on what I wanna do, especially if my maturity date is coming up. But yet, I still got to pay on the car.

A lot of times they wanna hurry up and lock you in. I might say that I'm gonna cancel this and make myself not locked in for a three-year agreement, but then I might want to sign back up with them in a month or two. Right now, people like me might have a lot of other decisions that they need to make. We get it that the car breaks down and this and that can cause that. But I don't wanna be locked into a person's contract either if my car ends up reaching the miles beforehand or it’s too much of an expense. The price per month is what I jumped on. I heard that CarShield, for instance, might have been asking for a little bit more than $100 per month but then you get a better term. But they're not living up to what they say either and you might have to pay more out of your pocket when it's time to pay your deductible. My main concern is if you happen to be in a situation where you have to owe them the remainder of the timeframe.

First, Endurance gave me the spiel about their coverage and then I tried to negotiate over the phone to get the best deal. They told me that it would be bumper to bumper coverage with $100 deductible and so forth. They gave me all the details. I ended up paying like $3,000 for up to 109,000 miles. There is also 109,500 or five years from the date of purchase. I wanted to pay in full and I asked them if I would get a discount if I did. Many people do that, like insurance companies and so forth. If you're paying in one shot, they are supposed to give you a discount. But Endurance did not. It surprised me that they said that I would have to make monthly payments for three years or 36 payments which they would put on a credit card.

I then asked Endurance if they could send me something in writing, but they said that it had to be processed and then they would get something in writing. After I hang up the phone, I was gonna go to the dealership. But I really wanted the extended warranty in my pocket before I'd go there because they'd try to sell something crappy for a lot of money because they'd get a commission out of that.

You would think that it would be better for me to see something in writing. Since I didn’t have much time and Endurance told me that there is a 1-month money-back guarantee, I took the risk. If this was some type of scam and I didn't receive the policy information, I could always tell them that I changed my mind and didn't want it. I went to the dealership and the truck was exactly what I was expecting. I purchased it. Everything went smoothly and I was very happy.

I’m glad that I've called Endurance up before going to the dealership. The dealership, of course, did try to sell me an extended warranty for a lot fewer miles for a lot more money, which I turned down. When I told them of what I got from Endurance, the guy got pissed. So, my overall experience with Endurance has been good. It was very smart of me to get the coverage before I even purchased the truck.

The policy looks very straightforward. It covers pretty much everything except the wear-and-tear stuff like brakes, tires and things like that. They also have roadside assistance. They even pay for the rental if I ever need to. Endurance seems well-known and it’s not like some weird thing. Now, they charge my credit card once a month and I’m gonna be paying for three years and I’m covered for the next five years.