Elite Warranty Reviews

If you’re buying a car and your dealership offers a vehicle service contract from Elite Warranty, it might be worth considering — especially if you’re buying a rare or expensive vehicle that might be hard to get coverage for elsewhere. However, it’s hard to say for sure how Elite Warranty compares to the competition because we were unable to get pricing for our sample vehicles. If you’re in the market for an extended warranty, it’s generally a good idea to shop around, read reviews and compare options before you buy.

Elite Warranty is a vehicle service contract provider based in Springville, Utah, that’s been in business since 1988.

Elite Warranty does not sell coverage plans directly to the public. Instead, it offers plans through dealerships and agents. (This is likely why Elite Warranty’s website doesn’t include features we’d normally expect from a consumer-facing business.)

Elite Warranty administers all claims in-house, and it pays claims directly to your repair facility based on standardized, published repair times and local shop rates.

» LEARN: What is a vehicle service contract?

Elite Warranty is available nationwide in the U.S. and in parts of Canada. However, not every dealership or agent partners with this company, so you may have to ask around to find Elite Warranty sellers.

On the upside, Elite Warranty claims to cover vehicles of any make, model or mileage, so you may be in luck if you’re buying an older or exotic vehicle. (Many extended warranty companies have mileage limits for the vehicles they’ll cover, and some restrict coverage for certain rare or expensive makes and models.)

Just be aware that not all plans are available for every vehicle:

• The Standard plan is available to all drivers since there is no mileage limit.
• The Premium plan is available for most vehicles with under 120,000 miles.
• The Superior plan is only available for vehicles under 6 model years old with 75,000 miles or less.
• The Certified Pre-Owned plan is available for vehicles under 10 model years old with under 125,000 miles that have passed an inspection.

All told, Elite Warranty offers six different auto protection plans:

• Standard
• Premium
• Superior
• GAP
• Certified Pre-Owned
• The Basics

The Standard plan covers most of the components in your powertrain, and the Premium plan adds coverage for your steering, seals, gaskets and other components. You can also customize the Standard and Premium plans to cover additional components.

Elite Warranty’s Superior and CPO plans mimic the vehicle manufacturer’s original coverage except for certain exclusions listed in the warranty agreement.

GAP (guaranteed asset protection) coverage is a specialty plan that can help protect you if your vehicle is totaled, and The Basics exclusively covers items not normally included in auto warranties, like your windshield, tires, wheels and keys.

» LEARN: What does a car warranty cover?

Elite Warranty coverage limits

Elite Warranty does not publish much information on its coverage limits. The only relevant details we could find on its website stated that it paid 130% of NADA retail value on GAP coverage, but you’ll have to check your sample contract for the limits on any other plan.

Elite does not disclose the exact cost of its plans online, so you will need to speak to a representative to gather a quote for your vehicle.

Most plans reportedly start with a $0 deductible, but only the Certified Pre-Owned plan had more specific information available. (Certified Pre-Owned plans come with a $200 deductible.)

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

Elite Warranty does offer secondary benefits with its vehicle protection plans, but details were once again limited.

Elite did not disclose if its policies are transferable or if they require an inspection, so be sure to ask before you sign up for a plan. There’s also no information available from the company on how to cancel a plan, but calling its toll-free number or a representative in claims and sales should be able to help you if you ever need to cancel.

Elite Auto Warranty does offer what it calls “day-one coverage,” which likely means there’s no waiting period before your coverage kicks in. In theory, once you sign with them for a plan, your coverage begins that day. (For context, most extended auto warranty companies require customers to wait a certain number of days and/or drive a certain number of miles before coverage starts. This is intended to filter out people seeking coverage for preexisting conditions.)