Weekly Talk Regarding Extended Automobile Service Contracts2208740

Any person have a US Direct Protect? If that's the case How are they? I've had this warranty on three autos - 2004 LeSabre (in no way employed), 2002 Trailblazer and (at present) a 2007 Lucerne (have not necessary it on this a single but, either). I did use the warranty on the Trailblazer (private mechanic each and every time) - Replaced the passenger power window motor (and assembly); the air conditioning/heating duct gizmo that redirects the air to different outlets behind the dash; as well as the steering wheel locking mechanism -they also paid for the tow for this job. I replaced the battery myself and they partially reimbursed me for the price of the battery (I think the battery expense me some $75 and they permitted (I think) $65??? I am just not positive. I checked with my mechanic (who has completed perform for me for years) to view if he had difficulties managing Route 66 folks and he indicated that he had none. When I referred to as regarding the battery, they answered the telephone and reimbursed me promptly. When I purchased the warranty from my Credit Union, I paid for the alternative that if the auto was totaled in an accident during the warranty period, I would get my initial warranty expense back - it was, and I did. Never employed it on either Buick (sold the LeSabre - the warranty was transferred to new owner). Bought the best package available, with a 5 year (from warranty purchase) 100,000 (on odometer) miles, towards the expiration of the factory warranty. Plan to buy a single on our 2008 SRX, when factory warranty expires. Anyway, that is my experience, you may or may not discover a single much better. As I stated, they answer the telephone and reimburse promptly. Great luck! Thank you so a lot for the input and experience. I've Route 66 on my SRX and have only employed as soon as, but they worked nicely with my Dealer and took care of the problem. So far, I'm pleased. Note: I edited my earlier post, my Route 66 warranties had been all for 5 years (not four years) and 100,000 miles. Sorry about that. Bill

It in no way did on my Corvettes, and I had all warranty work/oil modifications completed at the dealer. What a coincidence . I was at my dealership this morning and was discussing air filters as well as the expense of these filter when purchased thru the cadillac dealer. He stated plenty of folks use a cone kind filter with an adapter to fit it within the original box. I asked him regarding the CAI and if it would void the warranty. He stated he did not believe so simply because it's only an improvement over the original method and not a major modify. The CIA only does it a whole lot much better. At this dealership it would not void the warranty.

I know simply because I just added a single on the last day ofeligibilty. Your only recourse now is to discover an aftermarket warranty. BTW, the GMPP extension, even at a steep discount, expense me nicely over $2K. Can't even guess what an aftermarket would expense. Originally Posted by KRSTS You are able to only add a GMPP CPO extension up until a single year past the expiration of the factory B2B warranty. I know simply because I just added a single on the last day ofeligibilty. Your only recourse now is to discover an aftermarket warranty. BTW, the GMPP extension, even at a steep discount, expense me nicely over $2K. Can't even guess what an aftermarket would expense. My three yr/36k extended warranty, purchased at 71k, expense me just under $3k via the Ford dealer I purchased the carfrom....has currently covered over $1,500 in repairs since the finish of Might. Warranty is via Ford, it is referred to as Ford ESP. it is worth checking simply to make certain the policy hasn't altered I've completed lots of company with a single dealer and they use Zurich for their aftermarket extended warranties. You are able to essentially set your terms and it is priced accordingly. They make a little fee on it but it is essentially an insurance coverage policy. If there's a dealer you trust, ask them. Otherwise, shop it out. Every thing is negotiable but you are generally much better off with a policy that specifies exclusions. They cover everthng else... A great deal with these vehicles... Verify the business, also. You will find some bogus ones...

I'm thinking of buying an XTS Platinum in January. I was questioning if anybody who purchased an XTS currently also purchased the GMPP Extended Warranty. Even though I like all of the electronics within the vehicle, it scares me abit that some thing will break. I can only guess just how much CUE or the vibrating seats would expense to fix. I would appreciate anyone's believed on this matter. Originally Posted by bgasser I'm thinking of buying an XTS Platinum in January. I was questioning if anybody who purchased an XTS currently also purchased the GMPP Extended Warranty. Even though I like all of the electronics within the vehicle, it scares me abit that some thing will break. I can only guess just how much CUE or the vibrating seats would expense to fix. I would appreciate anyone's believed on this matter. In case your getting not major yes Absoultely. It really is a initial year model with an huge quantity of brand new tech. So , in case your going preserve for a lot more then 4 years and 50,000 miles I would say yes !! I purchased an XTS Platinum and did not purchase a GMPP. On my last STS I waited until the original Bumper to Bumper was about to run out and then purchased the GMPP. My logic is at that point you have a a lot much better idea as to just how much longer you intend on keeping your vehicle and how many miles you will need coverage for. Any vehicle can have difficulties, new model or not. My last STS, a new design etc., was literally one of the first manufactured and initial released to the public. I had virtually no difficulties with it. Also, typically in the event you are going to have difficulties with new technology it would generally be early on in your ownership while under the full bumper to bumper warranty. You should know that you can shop the GMPP and save a significant bundle off list price. Regardless of where you purchase it, it will come directly from GM and be accepted at all Caddy dealers. Originally Posted by kipsts I purchased an XTS Platinum and did not purchase a GMPP. On my last STS I waited until the original Bumper to Bumper was about to run out and then purchased the GMPP. My logic is at that point you have a a lot much better idea as to just how much longer you intend on keeping your vehicle and how many miles you will need coverage for. Any vehicle can have difficulties, new model or not. My last STS, a new design etc., was literally one of the first manufactured and initial released to the public. I had virtually no difficulties with it. Also, typically in the event you are going to have difficulties with new technology it would generally be early on in your ownership while under the full bumper to bumper warranty. You should know that you can shop the GMPP and save a significant bundle off list price. Regardless of where you purchase it, it will come directly from GM and be accepted at all Caddy dealers. Is it a lot more pricey in the event you wait vs getting when vehicle is brand new ? It may well be, but then once again (1) you have your $ until you make the purchase down the road once you have a much better idea that you simply will be keeping the vehicle, (two) in the event you purchase it once you get your vehicle and wind up promoting your vehicle nicely prior to the extended GMPP, you have not saved something and almost certainly lost a bundle. Originally Posted by DG2 Is it a lot more pricey in the event you wait vs getting when vehicle is brand new ? Yes, in the event you wait to buy it's a lot more pricey. But like Kip says, in the event you sell the vehicle early, you don't get extremely a lot refunded back. You can also get a GMPP quote from an online dealer -- and then get your dealer to match it. If you want to buy the warranty once you buy the vehicle. The last two vehicles I've purchased, the dealers matched their price, and then I was able to finance the warranty into the vehicle.

Any person have Route 66 Extended Warranty? If that's the case How are they? I've had this warranty on three autos - 2004 LeSabre (in no way employed), 2002 Trailblazer and (at present) a 2007 Lucerne (have not necessary it on this a single but, either). I did use the warranty on the Trailblazer (private mechanic each and every time) - Replaced the passenger power window motor (and assembly); the air conditioning/heating duct gizmo that redirects the air to different outlets behind the dash; as well as the steering wheel locking mechanism -they also paid for the tow for this job. I replaced the battery myself and they partially reimbursed me for the price of the battery (I think the battery expense me some $75 and they permitted (I think) $65??? I am just not positive. I checked with my mechanic (who has completed perform for me for years) to view if he had difficulties managing Route 66 folks and he indicated that he had none. When I referred to as regarding the battery, they answered the telephone and reimbursed me promptly. When I purchased the warranty from my Credit Union, I paid for the alternative that if the auto was totaled in an accident during the warranty period, I would get my initial warranty expense back - it was, and I did. Never employed it on either Buick (sold the LeSabre - the warranty was transferred to new owner). Bought the best package available, with a 5 year (from warranty purchase) 100,000 (on odometer) miles, towards the expiration of the factory warranty. Plan to buy a single on our 2008 SRX, when factory warranty expires. Anyway, that is my experience, you may or may not discover a single much better. As I stated, they answer the telephone and reimburse promptly. Great luck! Thank you so a lot for the input and experience. I've Route 66 on my SRX and have only employed as soon as, but they worked nicely with my Dealer and took care of the problem. So far, I'm pleased. Note: I edited my earlier post, my Route 66 warranties had been all for 5 years (not four years) and 100,000 miles. Sorry about that. Bill

Hey I talked to a caddy dealer these days and he told me that a cold air intake voids the warranty. Is the fact that correct ? Bummer if it's. Oh nicely perhaps there's a drop I. Filter that might be much better than absolutely nothing. Btw here is my vin 1g6dh577490141258 . What all is inclunded inside a "performance package"? I also have a luxury package 1. They stated it could be here in 24 hours. I doubt extremely a lot that an intake (cai) would void the warranty. It in no way did on my Corvettes, and I had all warranty work/oil modifications completed at the dealer. What a coincidence . I was at my dealership this morning and was discussing air filters as well as the expense of these filter when purchased thru the cadillac dealer. He stated plenty of folks use a cone kind filter with an adapter to fit it within the original box. I asked him regarding the CAI and if it would void the warranty. He stated he did not believe so simply because it's only an improvement over the original method and not a major modify. The CIA only does it a whole lot much better. At this dealership it would not void the warranty.

My CPO warranty using the Cadillac dealership (6years/100,000 mile) expires 9-4-2012. Is there an additional warranty available to obtain or is that it? You are able to get extended third party warranties, spendy, but they're available. verify with you dealer to view in the event you can get a GMPP extended warranty you will need to sign up prior to the CPO runs out that might be the best option (IMHO) in the event you don't like the provide that they are giving you there are other dealers that will sell you a GMPP online (bill black comes to mind) it can be shopped around but there will be a bottom price that no dealer will go below Agreed, GMPP could be the way to go since the OP is still under factory warranty. You are able to only add a GMPP CPO extension up until a single year past the expiration of the factory B2B warranty. I know simply because I just added a single on the last day ofeligibilty. Your only recourse now is to discover an aftermarket warranty. BTW, the GMPP extension, even at a steep discount, expense me nicely over $2K. Can't even guess what an aftermarket would expense. Originally Posted by KRSTS You are able to only add a GMPP CPO extension up until a single year past the expiration of the factory B2B warranty. I know simply because I just added a single on the last day ofeligibilty. Your only recourse now is to discover an aftermarket warranty. BTW, the GMPP extension, even at a steep discount, expense me nicely over $2K. Can't even guess what an aftermarket would expense. My three yr/36k extended warranty, purchased at 71k, expense me just under $3k via the Ford dealer I purchased the carfrom....has currently covered over $1,500 in repairs since the finish of Might. Warranty is via Ford, it is referred to as Ford ESP. it is worth checking simply to make certain the policy hasn't altered I've completed lots of company with a single dealer and they use Zurich for their aftermarket extended warranties. You are able to essentially set your terms and it is priced accordingly. They make a little fee on it but it is essentially an insurance coverage policy. If there's a dealer you trust, ask them. Otherwise, shop it out. Every thing is negotiable but you are generally much better off with a policy that specifies exclusions. They cover everthng else... A great deal with these vehicles... Verify the business, also. You will find some bogus ones...

[QUESTION TITLE] Must I buy an extended vehicle warranty? - Asked on 2011-05-24

[Question] - I know that this can be a extremely subjective query but I wanted to obtain everyone's input regardless. I am seeking at buying a employed 2011 Hyundai Sonata with around 10,000 miles on it. Hyundai's factory warranty is for 5 yrs or 60,000 miles (powertrain is 10yr 100,000). I've in no way purchased a vehicle without getting an extended warranty, but I've in no way purchased a vehicle with such a lengthy factory warranty either.

Normally I would rather pay a little a lot more for peace of mind, but my wife and I don't see this vehicle as a long-term vehicle (at least right now).

I am definitely leaning towards not buying it (and taking advantage of the long factory warranty), but wanted to obtain other people's input. Thanks!

[Answer 1] - verify to make positive the warranty rolls over to the second owner

[Answer 2] - Pay $100 to have a professional mechanic (not a dealer) inspect it.

If it checks out, pass on the warranty.

LT is correct. Only the first owner gets the Hyundai/Kia 10 year 100K powertrain warranty.

Every thing would default to the 5 year, 60K mile warranty.

Regardless, by the time the factory warranty runs out, you should currently almost have paid off the vehicle. Pass on the warranty.

[Answer 3] - If you have money to burn/lose then buy the extended warranty. Most repairs the warranty will cover will expense you less then this insurance coverage. Never worth the money unless you are promoting it. You the 2nd owner? Than the 10yr 100,000 does not carry over to you, only the 5yr, 60,000 miles.

[Answer 4] - no u dont need it..its a way for the dealer to make money..They want to sell it to u..NO..u dont need it..but If you Need Cash buy it and then wait until loan is finalized and cancel the warrenty using the warrenty co. and they will send you cash..they get paid for it up front..

[Answer 5] - Never EVER buy an extended warranty. No matter what.

Consumer reports agrees.

[Answer 6] - With the advent of the Internet, most vehicle dealers have found it difficult to make a lot of a profit any longer with clients getting the chance to shop the net. So - what many have completed is introduce a difficult sell on following sale goods, like the "extended warranty".

Coming from the company myself, I KNOW how lucrative these warranties are to the dealers promoting them. What that indicates for you personally is that there's almost certainly not a lot of a advantage for you personally.

Ask the salesman who sells you the vehicle why now, following you have agreed to terms, he finds it so essential to convince you to pay so a lot for the extended warranties for the vehicle he just praised in his sales pitch.

My opinion - You should usually pass on ANY item becoming pushed following the sale of the vehicle itself!

Great luck to you.

[Answer 7] - LT is right regarding the Hyundai factory warranty - only the 1st owner gets the 10/100k. You get the 5/60k, and that is powertrain only. Every thing else is 3/36k, and also you get the remainder of that.

As for warranties, there are two camps. 1 is they are a waste of money. The other is they are a lifesaver. All depends upon in the event you have ever employed a single or necessary a single.

I believe it depends upon your long term view of the vehicle. If you strategy to help keep it a long time, a warranty may be excellent peace of mind. If you trade vehicles each and every couple of years, you almost certainly don't need it. If you do get a single, make it's refundable in the event you don't use it, or transferable to the next owner. That makes them a little a lot more beneficial.

[Answer 8] - Post just how much they'r asking for the warranty.

Generally, I favor probably the most inclusive bumper-to-bumper, not drivetrain or powertrain, Factory warranty, not 3rd party like CarWarrantiesUsa, LLC., that is provided.

Power-train or drive-train warranties typically exclude the climate-control, cooling, electronic, electrical, exhaust, fuel, and suspension systems; interior [dash, seats, carpet] & exterior [the body: paint, rust, corrosion, leaks, etc], and a lot more.

I've seen a VW Jetta or Passat outside mirror costing $500. Installation additional.

Some Mercedes are $730.

Be positive you'r well-informed on this, lots of $ may be involved. When I was getting info on Toyota's Factory warranties, I got extremely diff answers, or no answers, from finance managers @ three Toyota dealers. I had to contact T's Headquarters for, hopefully, the bottom line.

I asked a finance manager for a copy of a warranty I was interested in and he got flustered. He finally coughed it up.

[QUESTION TITLE] Must we buy the Warranty? - Asked on 2010-09-21

[Question] - Hi My girlfriend is getting a 2007 employed Jetta for 12000 with 2500 down, though the vehicle only has 18k miles it's out bumper to bumper warranty inside a month due to age. However it does have a power-train warranty for an additional year left. We are getting it via a Lexus dealer which wants to sell us a bumper to bumper 0 deductible warranty for 2200 for 5yr/60 months from the current mileage and purchase of the vehicle. This however makes the payment swell from 198 a month to 235. My query is must we roll the dice and take the vehicle without it or would you purchase the service contract as we are on a limited budget.Thank you!

[Answer 1] - I would not buy a warranty. Getting warranty is betting that some thing will go wrong. Odds are it wont. And if it does, do you believe it will expense you a lot more than 2200 to fix it? Roll the dice.

[Answer 2] - Extended warranty is actually a indicates of getting peace of mind. Normally warranty covers failure of parts arising on account of manufacturing defect and extended warranty covers delayed manifestation of manufacturing defects. Once again, in Engineering components the failures attributable to manufacturing defect if any surface during the initial 10000 miles and thereafter such failures flatten out.

In effect, once you buy an extended warranty you protect yourself only from unduly premature failures if any! But, it's a grey area between early setting in of wear and tear failure and delayed manifestation of manufacturing defects that gets covered.

A great deal depends upon dealers who handle it.

My suggestion is pl buy it. There is certainly absolutely nothing like some back up if something goes wrong!

[Answer 3] - dont buy it. and make certain that you simply know that dealers cannot push you to obtain a warranty you dont want unless its one of those deals that say " you only get the deal in the event you get the warranty" if they make you get the warranty it indicates you can cancel it whenever so if that is the case you get it to obtain a excellent deal on the vehicle and cancel the next day. some dealers are getting extremely competitive and doing exactly that but not alot of folks know that they can cancel them but make certain you can cancel whatever with your finance manager prior to you do something

[Answer 4] - I agree regarding the 100,000 miles, most vehicles get now days.

My experience with extended bumper to bumper warranty ended with our 2003 Cadillac needing a newer transmission~ little did we know the warranty only covered a rebuilt/used transmission~ they did replace it, but we had to cough up our deductible. Sure the service dept. stated it was a good deal~ I still feel the dealership must of replaced it, they knew that year and make had transmission difficulties, from the get go~

In my world, I lived and learned :)

I'd forgo the warranty, take that extra money and sock it away~ for that "rainy" day~

usually,

Ladyitch

[Answer 5] - I just purchased two 2007 vehicles in that class for about that price. We did not do the service contract. Today's vehicles almost assuredly will make 100,000 miles -- the odds of you needing a $2200 repair prior to then are slim. That's a tranny or some thing. Accidents could be covered by insurance coverage.

That stated, we have three vehicles total, now, so can weather the storm must some thing like a tranny blow.

[Answer 6] - Don't waste your money. Most of these warranties go untouched. That why the are like 10 yrs/100000. Because nowaday manufacturer know that your vehicle is going to last that long, mean time they banked your cash. Yes, the unfortunate happens to a couple of but not enough to make a case. I've a 2000 firebird, as well as the engine took a dive at 204,000 mi. that's the mentioned warranty and then some. So if I had purchased the extended warranty similar to your, I would have not employed it at all.

[Answer 7] - Its about taking a chance generally once you buy a warranty it's a tax grab i'd say no because the chances some thing will happen is next to absolutely nothing.

[Answer 8] - yes you should by warranty

[Answer 9] - I sell vehicles and sell extended service plans each and every day. On some vehicles, and with some folks, the plans are worth it. On a VW, I believe it's a must have.

VW's, like most European vehicles, are not probably the most reliable. They may be pricey to repair. I tell shoppers VW's are greatest suited for enthusiast owners who do some of their own repair perform, and are willing to deal with issues for the pleasure of owning the vehicle. I place them within the same class as Audi, Volvo, Saab, Land Rover, and a couple of others. You've got to really love the vehicle to deal with its ongoing issues.

The strategy will protect you within the case of main mechanical failure. It really is not going to cover each and every little thing, but it will cover the big things. The bigger problem with VW is electrical issues, which the strategy will cover. Take care of the engine and trans and also you can get 200,000 miles out of them. But, what will kill your vehicle prior to the engine wears out is electronic gremlins.

Zero deduct is extremely good, 60K miles not so good. I'd have to verify the plans I sell for pricing but they go to 6 yrs and up to 150,000 miles total. $2200 seems really steep for a 60,000 mile strategy.

So, get the service strategy and drive on knowing while your engine will make it to 200K, the power window regulators will fail, so will the stereo method, and have to deal using the generally lousy dealer service.

[Answer 10] - You hit the nail right on the head. Getting any kind of warranty is actually a roll of the dice. In my experience, I've in no way purchased something extra as it relates to a warranty. If it comes with a minimal warranty, then that's what I get. To date, I've in no way had any difficulties using the decisions I've made in regards to not purchase an extended warranty. I think the percentages are on your side. Great Luck!

[QUESTION TITLE] Will getting a refund on extended warranty and GAP insurance coverage cause my interest to go up? - Asked on 2012-04-24

[Question] - I just purchased a employed vehicle with 30% down payment. I noticed they charged me for GAP insurance coverage and extended warranty and I asked them take it off. They are arguing getting a refund on them will cause my interest rate to go up simply because they employed the purchase to bargain a lower interest rate. Is this correct? If that's the case, do I've to accept the higher interest rate? They say I can't return the vehicle simply because it was currently signed for but I don't want to buy at a higher interest rate either.

[Answer 1] - I believe they are trying to pull a fast a single on you. The extended warranty and gap insurance coverage must not have a bearing on your interest rate unless it's a requirement of the lender on all of their loans. Read your contract. You should be able to cancel both and get a pro rated refund. You are able to contact the state department of consumer affairs to clarify or file a complaint against the dealer. Great Luck

[Answer 2] - They can't sell you some thing without telling you they're promoting it to you. Tell them to cancel the GAP and warranty with no penalties or you are returning the vehicle for a refund and alerting the much better company bureau as well as the State Attorney General's office.

[Answer 3] - Hi,

I got burned by this trick back within the 90's, and now I sell this stuff. So, yeah, I've some experience here.

Where I perform, we cannot require you to buy GAP and ext warranty. None of our banks do. They are considered accessories or add-on's to the contract. While I strongly recommend you preserve them, they have no direct impact on the loan or interest rate. When the bank approved you, they did not consider you getting GAP or ext warranties.

However...... I've heard that some little lenders who deal with folks with really bad credit, will mandate ext warranty and GAP. Their reason is that these plans protect their investment. If you don't have them and some thing happens, the risk of you defaulting on the loan and skipping payments is high.

EXAMPLE - You get into a vehicle accident as well as the vehicle is totaled. You owe $20k on the loan and your insurance coverage business pays only $15k. It really is your responsibility to pay the remaining $5k. You don't have the $5k so pay the bank absolutely nothing. What happens? The bank sues you, wins a judgement, and garnishes your wages and drains your bank accounts. GAP would have paid that $5k.

30% is actually a large down payment so you should not be upside down within the loan. If that is correct, you don't need GAP. I tell folks all of the time that I'd love to sell them GAP but they don't need it (did this last night).

With ext warranties, it is a similar story. Lets say your vehicle AC method dies and it's $1500 to fix it. You do not have a warranty so you have to kick down the $1500 for repairs. You decide to skip a couple payments to afford the AC repairs. Now you are behind on your payments, all simply because you don't have a ext warranty that might have paid to fix the AC. This situation is common with folks that have bad credit. They don't save money for vehicle repairs then make bad decisions when some thing goes wrong.

Great luck. I hope this post helps you.

Resources -http://carbills.webnode.com/news/aftermarket-automotive-policies-vol-1 and http://harborlight.webnode.com/news/vehicle-service-contracts-and-protecting-your-transportation/