Zurich Vehicle Service Contract

- Levels of coverage
- 3
- Maximum mileage
- 150,000 miles
- Vehicle age limit
- 15 years
- Waiting period
- 10 to 30 days (varies)



Recent reviews from local car owners, coverage options and overall value helped us determine that Zurich Vehicle Service Contract is the best extended car warranty company in Massachusetts. American Dream Auto Protect is a good choice if you want a lower price, and CarShield is a great option if you need to protect a high-mileage vehicle.
Our research team reviewed dozens of extended car warranty companies in Massachusetts. We compared coverage options, vehicle eligibility, extra benefits, costs and real customer feedback on claims handling. See our full methodology for details on how we picked the best companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
| Company | Customer rating | Our pick for | Levels of coverage | Maximum vehicle age | Maximum mileage | Waiting period | |
|---|---|---|---|---|---|---|---|
![]() Zurich Vehicle Service Contract | Learn More | 4.4
978 reviews
978 reviews
| Best overall | 3 | 15 years | 150,000 | 10 to 30 days (varies) |
![]() American Dream Auto Protect | Get Pricing | 4.0
1,710 reviews
1,710 reviews
| Value | 3 | 20 years | 200,000 | 30 days |
![]() CarShield | Get a Quote | 4.1
9,951 reviews
9,951 reviews
| Older vehicle coverage | 6 | 25 years | 300,000 | 30 days and 1,000 miles |



Jump into our guides and start learning
Rough winter roads and Massachusetts traffic can cause suspension damage and brake wear.
The right extended car warranty can protect you from expensive repairs and help you budget for future maintenance. The wrong plan may limit coverage, add hidden fees or make claims harder to approve.
Most extended car warranty plans cost around $1,000 per year, but the actual price depends on your car, the provider and the coverage you select.
Jump to insightComplicated contracts and high-pressure sales tactics are confusing, so take time to read reviews and evaluate each plan’s details before committing.
Jump to insightFor drivers who don’t keep cars for long or have vehicles with lots of exclusions, an extended warranty may not come with enough value to justify the cost.
Jump to insightChoosing the right car warranty in Massachusetts ultimately depends on your vehicle’s needs. The best extended auto warranty companies provide comprehensive coverage, honest customer service and a straightforward claims process. Here are the main steps to follow so you can choose the right plan:
Start by making a list of car parts you want protected. Bumper-to-bumper warranties cover the most, while powertrain warranties focus solely on essentials. When choosing coverage, decide how much risk you’re comfortable accepting for repairs that aren’t covered.
The combination of icy winters and salted roads means extra wear on brakes, exhaust systems and suspension. Comprehensive coverage may provide peace of mind if you commute regularly through Boston traffic or along the Massachusetts Turnpike.
Ask each provider about vehicle age and mileage restrictions and check the waiting period before coverage starts (usually 30 days and 1,000 miles). Make sure that the company allows you to use trusted, certified mechanics near you.
Massachusetts drivers should also confirm that plans are accepted at repair shops licensed under the state’s strict consumer protection laws. If you rely on independent garages in smaller towns like Pittsfield or Hyannis, check whether they’re included in the warranty network.
Reviews from other Massachusetts residents can provide valuable insight into how good a company is, especially when it comes to claims approval and repair shop access. Feedback from Boston, Worcester or Springfield drivers may highlight differences in service quality between urban and suburban areas.
Get estimates from at least three companies for equivalent plans and deductibles. Pricing can fluctuate widely for the same car, so make sure to carefully compare the quotes to get the best deal.
Some Massachusetts providers offer discounts for safety features or for vehicles in certain cities, so checking for local-specific incentives can help you get the best price.
Always review a sample contract before you sign. Focus on what’s excluded, such as preexisting conditions, and understand the cancellation terms. Many claim denials happen when a needed repair isn’t actually covered.
Pay attention to exclusions for corrosion or rust, which are common issues caused by heavy road salt use in winter.
Extended auto warranties cover certain repairs after the manufacturer’s original warranty expires. These contracts pay for specific mechanical or electrical breakdowns, but not regular maintenance or wear.
If your car breaks down and the issue is covered, you take it to an approved repair shop. The warranty provider will review the claim, and if approved, will pay the shop directly or reimburse you once you hit your deductible.
You can purchase coverage from dealerships, automakers or independent companies. Contract terms are specified in years and miles.
» GUIDE: Everything to know about car warranties
Car warranties usually come in two main types, both designed to cover issues that come up during normal use:
“Bumper-to-bumper” usually means exclusionary coverage, but it still has a list of parts it won’t cover — read that list carefully.
A bumper-to-bumper extended warranty can cost from $1,400 to $4,000 each year, depending on:
If you have a relatively new, low-mileage car, you may pay less than $1,000 for a basic plan. Luxury vehicles or older models that need bumper-to-bumper coverage can cost you over $3,500 per year.
Choosing a higher deductible will lower your premium, but you’ll pay more out of pocket if repairs are needed. Paying your entire contract up front will usually cost less overall than making monthly payments.
When you buy a warranty at the dealership, the cost is often included in your car loan, which means you’ll pay interest on it over time. This can increase the actual price you pay by a lot.
An extended car warranty may make sense if your car is known for expensive repairs, you expect to keep it for several more years and you want to avoid unexpected repair bills. Warranties can help you manage costs and may include extras like roadside help or rental coverage that can make them cost-effective.
Don't buy more coverage than you need.
For Massachusetts residents, consider that harsh winters often increase the likelihood of roadside incidents, so plans with towing or winter-related coverage can be more valuable than in milder states.
However, many drivers in Massachusetts find that the cost of a warranty outweighs the benefits, especially if their car is reliable or they have savings for unexpected repairs. Exclusions, deductibles and strict terms often mean not every repair is covered. If you plan to sell your car soon or don’t need the peace of mind, setting aside money for repairs could be a better option.
» GUIDE: What to ask an auto warranty company
It really helped me avoid a huge repair bill I wasn’t expecting, ”
You can avoid car warranty scams by never sharing your information or making purchases from unsolicited callers. Always go to a reputable warranty provider directly, and report any suspicious contacts to the Federal Communications Commission to help reduce scam attempts for everyone.
You do not need to buy an extended warranty when purchasing a new car in Massachusetts. New vehicles come with manufacturer warranties, and the state’s lemon law offers added protection for unfixable defects.
» COMPARE: Best new car warranties
Yes, you can cancel most extended car warranties, but you may have to pay a cancellation fee. The amount you get back depends on how long you’ve had the warranty and whether you have used it for repairs.
Massachusetts service contracts are governed by Chapter 175, Sections 149M–X of the Massachusetts General Laws, overseen by the Division of Insurance. Providers must be registered and must insure the contracts they offer.
Yes, Massachusetts law gives you the right to cancel your service contract for a full refund, but the length of the “free look” period is set by your individual contract rather than a single
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with extended auto warranty companies available in Massachusetts, then evaluated which performed best for local residents.
What we evaluated
We prioritized real customer experiences in Massachusetts but also considered national reviews. We discarded companies with fewer than three in-state reviews. Our review evaluation focused on four satisfaction drivers:
In addition to reviews, we compared the companies on:
Why verified reviews matter
ConsumerAffairs collects in-depth, verified reviews to surface real customer stories. These reviews are the primary factor in our ratings because they highlight how real customers experience the product and service. Only the companies with the highest satisfaction rates among Massachusetts reviewers made our top picks list.
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
Zurich Vehicle Service Contract
| 4.4
978 reviews
| Provides coverage for cars, trucks, motorcycles and powersport vehicles. Perks include 24/7 roadside assistance, rental car coverage and trip interruption reimbursement. | Read reviews |
American Dream Auto Protect
| 4.0
1,710 reviews
| Offers auto warranties for new and used vehicles. Has three plans available, plus custom options. Network of 50,000+ ASE-certified mechanics. Most plans are transferable. No published pricing or sample contracts. | Get Pricing |
CarShield
| 4.1
9,951 reviews
| Markets warranty plans for cars and motorcycles backed by American Auto Shield. Coverage, deductibles and payments vary by vehicle age and mileage. Contracts are transferable and come with a 30-day return policy. | Get a Quote |
1800Warranty.com
| 5.0
37 reviews
| Offers month-to-month vehicle service contracts. Four plan levels with optional tire and wheel protection. Covers vehicles of model year 2000 and newer with mileage up to 200,000. Costs start at $39/month. | Read reviews |
Autoplex
| 5.0
View profile
| Offers three vehicle service contracts ranging from powertrain to exclusionary coverage. Transferable policies with varying deductibles. Limited information about plans and pricing. Coverage not widely available. | Read reviews |
Nova Warranty
| 5.0
132 reviews
| Accepts luxury, vintage and exotic vehicles. Cancel within 30 days for a full refund. Live customer support offered daily. Can go to any dealership or repair facility. Roadside assistance included. Offers locksmith policy. | Read reviews |
NobleQuote
| 4.7
13 reviews
| Four coverage plans. Nationwide availability. Personalized pricing with varying deductibles and contract lengths. Starts at $79 per month. Towing, roadside assistance and car rental coverage benefits. | Read reviews |
Chaiz
| 4.6
68 reviews
| Online marketplace with multiple plans from different third-party providers. Three tiers of coverage. Provides 30-day money-back guarantee. Customer support available 24/7. Cancel your plan anytime. Quotes in less than a minute. | Read reviews |
Onust
| 4.5
14 reviews
| Vehicle mechanical breakdown coverage with no required vehicle inspection and first-day coverage. No deductible for mechanical parts and labor. Includes 24/7 emergency roadside assistance. Two plans. Cancel any time. | Read reviews |
Toco Warranty
| 4.5
763 reviews
| Offers vehicle service contracts for cars up to 20 years old and up to 250,000 miles in most states. Plans available with no down payment and three-year terms. Waiting period is 90 days and 1,000 miles. | Read reviews |
Premier Auto Protect
| 4.4
241 reviews
| Offers vehicle service contracts with 30-day money-back guarantee. Includes 24-hour roadside assistance. Choose your own repair shop. 10% back for referrals. Preferred pricing for members of some organizations. | Read reviews |
olive
| 4.1
570 reviews
| Accepts cars up to 10 years old with up to 140,000 miles. Offers three plans with flexible deductibles and fixed monthly pricing. No waiting period or yearly mileage restrictions up to 185,000 miles. Available nationwide. | Read reviews |
Omega Auto Care
| 4.1
1,507 reviews
| Offers exclusionary, used stated and powertrain protection for cars with up to 250,000 miles and 15 years old. Waives deductible if you go to a RepairPal-certified shop. Member of the Vehicle Protection Association. | Read reviews |
SOS Auto Protect
| 3.9
11 reviews
| Provides extended auto warranties to drivers in all 50 states. Three plans to choose from. Customizable deductibles. No limits on payouts. Roadside assistance included. Use any ASE-licensed mechanic or dealership nationwide. | Read reviews |
CoverageX
| 3.9
35 reviews
| Offers three auto warranty plans with varying levels of coverage. $100 deductible per service. 24/7 roadside assistance and rental cars included in each plan. Pays mechanic directly for service. | Read reviews |
Assurant Vehicle Service Contracts
| 3.5
833 reviews
| Offers a tier of four plans, with deductibles ranging from $50 to $100. Plans are only offered through select dealerships across the country instead of sold directly to consumers. | Read reviews |
Empire Auto Protect
| 2.1
172 reviews
| Vehicle service plans and contracts. Accepted nationwide. Components, part and labor included in service plans. No inspection for coverage. No mileage or odometer restrictions. Transferrable. 24/7 roadside assistance included. | Read reviews |
American Auto Shield
| 2.0
489 reviews
| Does not sell vehicle service contracts directly. Partners with third-party providers to offer eight programs for cars up to 250,000 miles, plus coverage for motorcycles, ATVs and dirt bikes. Available nationwide. | Read reviews |
Ally Extended Warranty
| 2.0
8 reviews
| Sells several extended warranty plans. Technology, EV and maintenance plans available. Deductible amounts from $0 to $200. Can visit any licensed mechanic. Must purchase through dealership. No pricing information online. | Read reviews |
EasyCare Warranty
| 2.0
View profile
| Warranties are available primarily through car dealers. Offers four levels of coverage, including EV components. Warranties come with a range of benefits and available add-on coverage. | Read reviews |
Select Auto Protect
| 2.0
34 reviews
| No limits to number of claims. No transfer fees, claims paperwork or waiting for reimbursements. Can use any ASE-certified mechanic. Accepts all makes and models. Must call for quote. | Read reviews |
Gold Standard Automotive Warranty
| 1.9
10 reviews
| Provides extended warranties for many types of vehicles. Plans range from powertrain to exclusionary coverage. All contracts include maintenance benefits. Only sold through dealerships at the time of vehicle purchase. | Read reviews |
My Dealer's Choice
| 1.8
10 reviews
| Offers multiple vehicle service protection plans. Coverage for EVs available. Open 24/7 by phone. 30+ years experience. Sells used vehicles. Available in all 50 states. | Read reviews |
MaxCare Auto Warranty
| 1.8
183 reviews
| Extended service contract through CarMax. Optional for vehicles of any year, make, model or mileage. Only available at the time you purchase a vehicle. Choose from different plans and deductibles. Cancel anytime. | Read reviews |
NVP Warranty
| 1.7
7 reviews
| Plans available for cars up to 20 model years of age. Covers vehicles with up to 225,000 miles. Multiple plans available. Optional coverage to choose from. No waiting period. Same-day processing for most claims. | Read reviews |
Fidelity Warranty Services
| 1.7
262 reviews
| Offers vehicle service contracts with coverage for road hazards, tires and wheels. Affiliate plans include total loss waiver and lease excess with wear and tear. Accepts high-mileage cars. Available in all states. | Read reviews |
CARCHEX
| 1.5
4,294 reviews
| Plans available for cars with up to 250,000 miles. Multiple plan options from different providers. Terms up to 10 years. Finance over six, 12, 18 or 24 months. Comes with a 30-day return policy. | Read reviews |
CNA National Warranty Corporation
| 1.5
19 reviews
| Wide range of plans for new and used cars, plus EVs. Exclusionary coverage available. Different deductible options, including a disappearing deductible. Towing and rental benefits. Only sold through dealerships. | Read reviews |
CornerStone United
| 1.4
9 reviews
| Offers extended warranty coverage for a variety of vehicles, including exotic cars. Customizable plans with add-on options available. Price quotes only available from partnering dealerships. | Read reviews |
Portfolio Protection Vehicles & Services
| 1.4
258 reviews
| Provides coverage for cars, motorcycles, powersport vehicles and RVs. Offerings include vehicle service contracts, warranties, asset protection, maintenance plans and theft deterrent products. | Read reviews |
Mopar Vehicle Protection
| 1.3
View profile
| Extended warranty company offering comprehensive plans for new, used and leased vehicles. Customers can also add on additional coverage for wear-and-tear parts. Only available for Stellantis family makes. | Read reviews |
National Auto Care Warranty
| 1.3
16 reviews
| Offers a disappearing deductible option. Service agreements for leased vehicles. Options for recreational and power sports vehicles and tire and wheel add-ons. Theft prevention device and geofencing. | Read reviews |
DriveSmart Warranty
| 1.3
View profile
| Three levels of extended auto warranty coverage. 30-day review period. All plans come with roadside and car rental assistance. Services can be performed by any licensed repair shop. DriveSmart pays the repair shop directly. | Read reviews |
AUL Corp
| 1.2
371 reviews
| Accepts cars of any year or mileage. Select from 14 service contracts with a range of terms and protections. Gap and ancillary coverage also available. No waiting period. Available nationwide through certified AUL dealerships. | Read reviews |
1.2
136 reviews
| Offers auto warranty coverage. Highlights include interest-free payment plans, roadside assistance and guaranteed part replacement. Over 90% of claims paid in an average of three hours or less. | Read reviews | |
GWC Warranty
| 1.2
376 reviews
| Exclusionary coverage on cars with up to 150,000 miles and stated component coverage up to 200,000 miles. All plans are transferable. No waiting period. Available nationwide through dealerships. | Read reviews |
Route 66 Extended Warranty
| 1.2
39 reviews
| Offers vehicle service contracts. Three plan options: drivetrain, intermediate and exclusionary. No deductible. Available nationwide. Total loss refund. Transferable to a new owner. Only available through partner institutions. | Read reviews |
Everything Breaks Auto Warranties
| 1.1
16 reviews
| Transparent pricing. Monthly and annual plans available. Annual plans come with maintenance benefits. 24/7 roadside assistance included on all plans. Operates in every state. 30-day money-back guarantee. | Read reviews |
Ox Car Care
| 1.1
59 reviews
| Extended auto warranty. Covers cost of breakdowns and repairs. Three plan and coverage tiers. Customizable coverage. Free quotes. $100 deductible. Plan pays the mechanic directly for covered repairs. Money-back guarantee. | Read reviews |
Preferred Warranties Inc.
| 1.1
129 reviews
| Offers extended warranties for cars, motorcycles, boats, snowmobiles and RVs. Terms and conditions vary by state. Doesn’t sell directly to consumers. Contact an authorized dealership for pricing. | Read reviews |
Delta Auto Protect
| 1.0
1,737 reviews
| Offers three levels of protection. Covers vehicles up to 20 years old with up to 140,000 miles. Coverage is not available in Alabama, California, Florida, Missouri, Texas and Washington. | Read reviews |
ForeverCar
| 1.0
342 reviews
| Provides extended car warranties without long-term contracts. Customizable deductible options. No mileage limitations in most states. Customer service is available through phone, email and live chat. | Read reviews |
Phoenix Extended Care
| 1.0
110 reviews
| Partners with Nationwide to offer coverage for cars and RVs. Products and program options include gap, private label and theft protection. | Read reviews |
GM Warranty
| 1.0
69 reviews
| Provides powertrain and bumper-to-bumper limited warranties, tire and wheel protection, GAP coverage and more. New vehicles are automatically enrolled in the manufacturers' protection program. Additional coverages available. | Read reviews |
Diamond Warranty Corp
| 1.0
68 reviews
| Offers four tiers of extended warranty coverage. Powertrain Plus is available for up to five years and 100,000 miles. Coverage begins 30 days or 1,000 miles after the purchase date. Available in more than 30 states. | Read reviews |
Penn Warranty Corporation
| 1.0
59 reviews
| Serves dealerships and car-buying customers. Partners with more than 15,000 dealers across the country to offer vehicle service contracts. Contact a company representative or your dealership for more information. | Read reviews |
Smart AutoCare Warranty
| 1.0
47 reviews
| Offers three customizable warranty plans. Available in 50 states. Includes roadside assistance. Gap and ancillary coverage can be purchased separately. Claims can be submitted via app and are typically paid the same day. | Read reviews |
1.0
38 reviews
| Select from three tiers of coverage. Some vehicles qualify for up to 120,000 miles of additional protection. Coverage for rental car, fluids and towing included. More than 6,000 authorized service centers. | Read reviews | |
Protection Direct
| 1.0
30 reviews
| Offers home and auto protection plans, including coverage for commercial vehicles, in most states. Accepts most vehicles up to 20 model years and up to 500,000 miles. Features flexible payment plans and a 30-day refund period. | Read reviews |
CarvanaCare Extended Warranty
| 1.0
9 reviews
| $0 deductibles at preferred repair facilities. $200 deductibles at other shops. Roadside assistance for all plans. Cancel your plan at any time. Three levels of coverage available. | Read reviews |
Warranty Solutions
| 1.0
9 reviews
| Wide range of extended warranties for new and used vehicles. Customizable plans with optional coverages. Benefits include towing and rental reimbursement. Only sold through dealerships. Some coverage exceptions. | Read reviews |
AutoNation Extended Warranty
| 1.0
View profile
| Offers five vehicle protection plans with multiple deductible options available. Covers most vehicle repairs at any licensed repair facility. Provides roadside assistance and rental car and travel expense reimbursements. | Read reviews |
Fenix Protect
| 1.0
View profile
| Offers plans backed by Black Diamond Administrative Company. All plans include roadside assistance. Seven plans available for new and used vehicles. Accepts cars with up to 500,000 miles. | Read reviews |
Safeguard My Car
| 1.0
View profile
| Sells auto warranties. Three warranty options to choose from. $100 deductible required for service. Free cancellation in 30 days. Plans start at $99 per month. 24/7 roadside assistance comes with all plans. | Read reviews |
ASC Warranty
| 1.0
View profile
| Offers four warranty plans with contracts up to 96 months. Can only purchase through a dealership. $0 deductible on all covered services. 24/7 roadside assistance included in all warranty plans. | Read reviews |
autopom!
| 1.0
View profile
| Offers extended auto warranties. Works with licensed mechanics in the U.S. and Canada. Has plans for most cars up to 14 model-years old. 24-hour roadside assistance and trip interruption included. Must contact for a quote. | Read reviews |
MasterTech Warranty
| 1.0
View profile
| Offers vehicle, debt and ancillary protection programs. Five customizable auto protection plans available. Waives GAP amounts up to $50,000. Fully transferable coverage. Money-back guarantee within 60 days of purchase. | Read reviews |
Warranty Direct Protect
| 1.0
View profile
| Extended warranty company offering plans for vehicles, boats, RVs and ATVs. Plans range from $700-$5,000 per year depending on make, model and other factors. Deductible options range from $0-$1,000. No waiting periods for plans. | Read reviews |
AA Auto Protection
| No reviews | Partners with United Car Care, Matrix Warranty Solutions, Royal Administration Service, DOWC and National Warranty Administration to offer coverage nationwide. Provides a "best price guarantee” and a money-back guarantee. | |
America Auto Care
| No reviews | Offers basic, enhanced, exclusionary and stated coverage maintenance plans. New customers are entitled to a full refund within the first 30 days. | |
InterContinental Warranty Company
| No reviews | Specializes in providing credit union members warranty products, including vehicle service agreements and mechanical breakdown insurance. Features include emergency roadside assistance and rental coverage. | |
Complete Car Warranty
| No reviews | Select from warranty options with custom coverage, no network limits and no limits on repairs and roadside assistance. Provides free rapid-response quotes to estimate pricing. Available nationwide. | |
Carefree Auto
| No reviews | Offers a range of benefits and reimbursement options for vehicle repairs. Provides up to 25% off car rentals. Covers every car in your household for $19.95 per month regardless of mileage or age (as of publishing). | |
Cornerstone Auto Protection
| No reviews | Offers several plans for powertrain and exclusionary coverage. Plans include roadside assistance, rental reimbursement and maintenance benefits. No rate increase after filing a claim. Down payment required. | |
Elite Warranty
| No reviews | Offers six coverage plans, including three extended auto warranties with optional add-ons and $0 deductibles. Claims are handled by in-house representatives. Only sells through dealerships. | |
Integrity Warranty
| No reviews | Vehicle service contracts for a wide range of vehicles, including luxury cars and EVs. High mileage limits for older cars. Exclusionary coverage available. Plans include towing and rental assistance. Only sold through dealerships. | |
National Vehicle Protection Services
| No reviews | Offers exclusionary, comprehensive, enhanced powertrain and powertrain protection. Choose your own ASE-certified repair shop. Includes towing and roadside assistance. $100 deductible for covered claims. No-fee payment plans. | |
Old Republic Insured Automotive Services
| No reviews | Extended auto warranty provider. Three available plans. Range of coverage options with each plan. Only available through dealerships. Partners with over 5,000 dealers to offer warranties nationwide. Can use any repair shop. | |
Concord Auto Protect
| 1.1
1,227 reviews
| Direct provider of three tiers of coverage. Offers 0% interest payment programs and a 30-day refund policy. Available in all 50 states. | Read reviews |
Protect My Car
| 1.0
4,134 reviews
| Offers plans for newer and older vehicles up to 20 years old and with up to 299,999 miles. All services provided in-house by Protect My Car employees. Special offers for military personnel. Not available in California. | Read reviews |
American First Auto Protect
| 1.0
132 reviews
| Offers three coverage plans with customization options. Covers parts, services and roadside assistance. 14+ years of experience. Available across the U.S. 30-day money-back guarantee. | Read reviews |


