Cadillac extended warranty: cost, coverage and plans
Comprehensive but not cost-effective
The Cadillac brand is so trusted that the Secret Service chose it to build “The Beast,” the armored limousine that the president rides in. Still, Cadillac owners might be wise to consider protecting themselves against pricey parts and labor with an extended auto warranty.
Cadillac has its own extended auto warranty program, but it’s smart to ask some questions before you buy one. How do its plans stack up to the competition? What do they cover? How much do they cost? Are they even worth it? Read on to find out.
- Cadillac’s official extended warranties are called Cadillac Protection Plans, and they come in three coverage levels, even though Platinum is likely the one you want.
- The coverage and benefits of these plans are solid, but the price is high — $1,500-plus per year of coverage not already included in your factory bumper-to-bumper warranty.
- Considering Cadillacs are expected to require about $800 in repairs and maintenance each year, paying $1,500-plus per year of warranty coverage makes little sense.
- If you’re still interested in protecting yourself from repair bills, you may get a lower quote from a third-party extended auto warranty company.
Cadillac extended warranty coverage
Cadillac’s official extended warranties are called Cadillac Protection Plans. (In general, “extended warranties” are more accurately known as vehicle service contracts, but that name is less commonly used.)
Cadillac Protection Plans are designed to help Cadillac owners enjoy the benefits of warranty protection for longer than their factory warranties allow. For reference, Cadillac’s two main factory warranties normally provide four years or 50,000 miles of Basic (aka bumper-to-bumper) coverage and six years or 70,000 miles of powertrain coverage.
Just be aware that auto warranties aren’t designed to cover repairs needed due to damage, neglect, abuse or normal wear-and-tear. Instead, warranties protect you from factory defects — basically, parts that fail on their own.
Most Cadillacs will be eligible for Cadillac Protection Plans as long as they’re under 7 model years old and have fewer than 100,000 miles on their odometers.
You can’t purchase or even get quotes for these warranties online. So, you’ll need to go to a Cadillac dealership, and in our experience, finding a dealership that sells them — and getting them to provide a quote over the phone — can be difficult and tedious. But is it worth it? Let’s take a deeper look, starting with what each plan covers.
» LEARN: What does a car warranty cover?
Cadillac extended warranty plans
Cadillac Protection Plans come in Platinum, Silver and Powertrain coverage levels.
We don’t want to be too blunt about it, but Platinum is likely the only coverage level worth considering. Silver usually doesn’t cover enough parts to justify its price, and Powertrain is a similar story with the added negative that your Cadillac’s factory powertrain warranty should already protect those components for their first six years or 70,000 miles.
Moreover, we couldn’t find a single Cadillac dealer willing to sell us a Silver or Powertrain warranty. This is common across the industry — dealers don’t like selling anything short of bumper-to-bumper protection because customers are often upset to discover later on that their less-comprehensive plans don’t cover significant portions of their vehicles.
Nonetheless, here’s a breakdown of what each plan covers. (You may need to scroll to see the full chart.)
Cadillac extended warranty benefits
In addition to paying for covered repairs, all Cadillac Protection Plans include the following extra benefits:
- Roadside assistance, including battery service, flat tire assistance, emergency fuel delivery (up to three gallons, three times), emergency fluid deliveries (cost of fluids not included) and lockout assistance
- Towing assistance of up to $100 per occurrence during a covered breakdown
- Trip interruption protection of up to $200 per day for up to five days if your Cadillac experiences a covered breakdown more than 100 miles from home
- Rental car coverage of up to $40 daily for up to 10 days while your Cadillac is in the shop for a covered repair
Overall, these are above-average benefits for a car maker’s extended auto warranty. Up to $1,000 in trip interruption assistance is a nice touch and should provide extra peace of mind if you frequently go on road trips.
Cadillac extended warranty cost
Your experience may vary, but we had a harder time than usual finding quotes for Cadillac Protection Plans. Out of the 12 Cadillac dealers we called in nine states, only three sold Cadillac Protection Plans. The rest had partnered up with third-party warranty companies.
Of the three that sold Cadillac Protection Plans, one refused to provide quotes on the phone. Another said they’d email the quotes to us but that “it wasn’t a priority.” Eventually, one finance manager provided us with quotes over the phone for some different Cadillacs, and we’ve included those results below. Of course, you may have better luck with your local Cadillac dealer.
Cadillac Protection Plan prices
Note that these numbers were generated based on a $100 deductible and don’t include local tax.
|2023 XT4||Platinum||8 years/100,000 miles||$5,900|
|2021 Escalade||Platinum||8 years/100,000 miles||$7,000|
|2019 ATS||Platinum||4 years/48,000 miles||$6,000|
Based on these results, Cadillac Protection Plans are extremely expensive, especially when you consider that for the two newer vehicles, some of their “extended” warranty term overlaps with their factory bumper-to-bumper warranty term.
For context, the average cost of an extended auto warranty is around $2,500. Based on the quotes we received, Cadillac Protection Plans cost at least double that, which just isn’t reasonable unless Cadillacs are expected to incur double or triple the repair costs of the average vehicle.
Cadillac extended warranty terms and conditions
The Cadillac Protection Plan terms and conditions are pretty standard for an extended auto warranty. We didn’t find any “gotchas” hiding in the contract, but there are some things you should know before you sign up.
- Preexisting conditions
- As with most extended warranties, preexisting conditions aren’t covered. In addition, unless you’re the first owner of your Cadillac, there’s a 30-day/1,000-mile waiting period before you can submit your first claim (that time is added back on the tail-end of the warranty period).
Also, warranty providers can sometimes deny claims on the basis that you can’t prove that an issue wasn’t preexisting, which is why it’s smart to get a dealer inspection report (approximately $150) in tandem with any extended auto warranty purchase.
- Routine maintenance
- To prevent claim denial, you must keep up with the routine maintenance schedule listed in your Cadillac owner’s manual. Cadillac may ask for proof that you’ve been keeping up with oil changes and such, so keep your receipts.
- Cadillac Protection Plans won’t cover part failures due to damage, negligence or abuse. They also won’t cover regular wear-and-tear items, like brake pads and wiper blades, nor will they cover most cosmetic items. Platinum plans also won’t cover any part listed under “EXCLUSIONS” in your contract.
- If you sell your Cadillac to a private party, you can transfer the remaining extended warranty period to the new owner within 30 days of the sale by contacting Cadillac and paying a $50 transfer fee.
- Cancellations and refunds
- You can cancel your Cadillac Protection Plan within 30 days of purchase for a full refund, provided no claims have been filed. If you have filed a claim or it’s been longer than 30 days, you’ll receive a prorated refund minus any claims paid.
Is a Cadillac extended warranty worth it?
Given what we’ve learned, is a Cadillac Protection Plan worth it? Probably not, but your experience may be different. As a rule of thumb — an extended auto warranty is more likely to be worth its purchase price if either:
- Your vehicle isn’t reliable.
- You expect to spend more repairing your vehicle than the warranty will cost you.
- You don’t mind paying thousands of dollars for extra peace of mind.
- A surprise repair bill could seriously hurt or even ruin you financially.
We can’t assume to know where you stand on the last two points, but we can help you understand how Cadillacs relate to the first two.
For starters, Cadillacs reportedly have average or slightly below-average reliability. J.D. Power ranked the brand 12 out of 32 brands for dependability in 2023, but it’s worth considering that the firm only looked at problems-per-100 vehicles coming out of the 2020 model year for that ranking. Consumer Reports, which draws its data from a wider (and older) range of model years, ranked the brand 17th out of 24 automakers in 2022.
RepairPal data suggests that Cadillacs cost their owners an average of $783 in scheduled maintenance and unplanned repairs each year, which is about 20% higher than the industry average of $652. Escalades also seem to have more frequent engine and transmission issues than their stablemates, according to RepairPal, but those may be covered under the six-year/70,000-mile factory powertrain warranty.
The comfort, power and prestige are all great but come at a cost.”
David, a ConsumerAffairs reviewer from Pennsylvania, summarized the pros and cons of Cadillac ownership, telling us: “Cadillacs are a huge investment. They require patience to deal with all the systems in the car and the maintenance not only of these items but also the wear items. All the modern conveniences are great but present a lot of learning plus trail and error. The comfort, power and prestige are all great but come at a cost.”
However, considering that the cost of your Cadillac Protection Plan (about $1,500 per year of added coverage) could be double the cost of expected repairs (not including your $100 deductible), you’re probably better off paying out of pocket.
Cadillac extended warranty alternatives
We got quotes from two other extended car warranty companies to see if they could provide coverage that was similar to what Cadillac Protection Plans offered but for less money. (The prices quoted below are all based on a $100 deductible and don’t include tax.)
While these prices are still pretty high across the board, some of the quotes from Endurance and olive came in lower than Cadillac’s for similar bumper-to-bumper coverage. This just goes to show why smart shoppers collect quotes from various providers before committing to an extended auto warranty. Quotes for extended warranties can differ significantly between providers for little to no discernible reason, so you can really save money by shopping around.
To learn more tips for finding the right extended warranty for your needs, check out our hub for auto warranty content.
- Article sources
- RepairPal, “Car Reliability Rating.” Accessed April 25, 2023.
- J.D. Power, “Vehicle Dependability Improves Despite Continued Problems with Technology, J.D. Power Finds.” Accessed April 25, 2023.
- Consumer Reports, “Who Makes the Most Reliable New Cars?” Accessed April 25, 2023.
- RepairPal, “Cadillac Repair & Maintenance Costs.” Accessed April 25, 2023.
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