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Welcome, by logging in you can select and securely complete the purchase of your vehicle service contract in just a few simple steps. If at any point you have questions or would like to discuss other coverage options, feel free to contact your service contract representative.

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  • Pat Goss' Service Contract Buying Tip # 1 — Make Sure You See the Contract Before You Buy

    Never buy a service contract over the phone without first seeing the contract. If an extended service contract company will not show the contract prior to purchase, they have something to hide. Many companies will claim to have bumper-to-bumper coverage when they are really offering you a low-end powertrain plan and just using the term bumper-to-bumper. Beware of phone scams!
  • Pat Goss' Service Contract Buying Tip # 2 — Beware of Common Scams & Strong Arm Tactics

    Never buy a service contract over the phone when strong arm tactics are used to persuade you to buy today. For example, if a service contract salesperson tells you they will put you on a blacklist of any kind that would prevent you from being able to purchase a policy in the future, DO NOT BUY FROM THAT COMPANY. No such list exists. That is a common scam!
  • Pat Goss' Service Contract Buying Tip # 3 — Safe Ways to Pay for your Service Contract Policy

    Service Contract Buyers Beware — A service contract company should always have a secure way to provide credit card or personal information as at least one option for providing payment details. Always ask if the company has secure online checkout.
  • Pat Goss' Service Contract Buying Tip # 4 — No Haggle, Lowest Price Everyday Guarantee

    You should never have to worry about haggling. Every customer should get the same price as the next customer who has the same vehicle and mileage. Prices shouldn't change daily. Beware of bogus sales! Why should some customers get a sale price while you pay in full?
  • Pat Goss' Service Contract Buying Tip # 5 — Low Price Usually Means Low Coverage

    If you’re not reviewing coverage when shopping price you will get stuck with a low coverage policy. We all want the best deal and to get the lowest price but remember that auto service contract pricing is based on your vehicle's estimated repairs. If the price is too low something is missing. Often labor rates on the contract are low meaning you will get stuck with out of pocket costs or the repair shop may not accept your service contract. More often it is what is in the fine print and overall coverage. Like most things in life, you get what you pay for! All warranties are not created equal. Read the fine print or pay the price later!
  • Pat Goss' Service Contract Buying Tip # 6 — Credibility is Everything when Buying a Service Contract

    If you have never heard of the company you are buying from or if they are not affiliated with any companies you know well, do not purchase a service contract from that company. You need your service contract company to be around to pay claims when you need them. CARCHEX is partnered with more Fortune 500 and well known companies than any other service contract company. These include CARFAX, Capital One,, and Lending Tree. CARCHEX is also endorsed by the nations most trusted mechanic, Pat Goss from the PBS automotive series MotorWeek and Goss’ Garage.
  • Pat Goss' Service Contract Buying Tip # 7 — If it Sounds Too Good to Be True…It Is.

    If the total price of your service contract is less than the average cost of a single major repair than you can be sure that your claims will not be paid. If you’re being told that for $1000 you can have a bumper to bumper service contract then you’re not being told the truth about the level of coverage being provided. It’s impossible for an insurance company to pay your claims at that price. The average exclusionary coverage service contract policy across all vehicles is around $2000. Prices will be more or less than $2000 based on current mileage and the average cost of repairs and labor for your vehicle and the frequency that repairs are needed.
  • Pat Goss' Service Contract Buying Tip # 8 — Check the Seller's Credit Rating.

    You should be wary of service contract companies that are not accredited or carry a negative rating from the Better Business Bureau.
  • Pat Goss' Service Contract Buying Tip # 9 — Beware of the Name Change.

    Check to see if the service contract company has changed names over time. This could be a sign that the company is trying to hide something from its past. Also, be cautious when dealing with companies who have been in business for 5 years or less.
  • Pat Goss' Service Contract Buying Tip # 10 — Check the Details.

    If the policy is inclusionary (lists what is covered), ask to see a list of every item covered within each system and not just the system itself.
  • Pat Goss' Service Contract Buying Tip # 11 — Choices, Choices.

    Favor a policy that is exclusionary (lists what's not covered) rather than inclusionary (lists what is covered). Exclusionary coverage is what you had with your manufacturer's service contract.
  • Pat Goss' Service Contract Buying Tip # 12 — It Costs What?!?!

    Ask about the labor rate of your policy. For example, if the allowable labor rate is $65/hour and your mechanic charges $85/hour, you will need to pay the difference for every repair.
  • Pat Goss' Service Contract Buying Tip # 13 - Know the Cancellation and Refund Policy.

    Make sure you fully understand the company's cancellation and refund policy. Some companies will charge you stiff penalties for canceling a policy.
  • Pat Goss' Service Contract Buying Tip # 14 — Specialized Systems.

    If you vehicle has specialized systems, such as, navigation systems, ask about high tech electronics coverage.
  • Pat Goss' Service Contract Buying Tip # 15 — Things that Should be Covered.

    Make sure your coverage includes "wear and tear", and "complete seals and gaskets" coverage. Some companies claim they cover seals and gaskets, but really only cover seals and gaskets when included in a covered component repair.

Like Pat Goss says... "CARCHEX is the company you can trust." These partners seem to think so too.
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This site uses the terms "Warranty", "Extended Warranty", "Extended Service Protection Plans" and "Vehicle Service Contract" as equivalents for marketing purposes only. All sales are subject to the terms located within the Extended Warranty Provider's Vehicle Service Contract. Contracts will not be accepted where prohibited by law. This site is intended solely for the purpose of providing general information regarding the purchase of an extended warranty. Exact contract terms and rates are determined upon validation of vehicle information and acceptance by the Extended Warranty Provider. Pricing, specifications, availability, and terms of offers may change without notice. Taxes, fees and other charges may apply. CARCHEX cannot be held responsible for pricing or other errors, omissions, or consequences of misuse of site and its functions.

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