# Auto Extended Warranties **URL:** \ **Category:** General Discussion\ **Tags:** outback, subaru\ **Created:** [March 30, 2023, 2:17am UTC](https://community.cartalk.com/t/auto-extended-warranties/189840 "2023-03-30T02:17:59Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![gheist07\_184656](https://avatars.discourse-cdn.com/v4/letter/g/ac91a4/32.png) [@gheist07\_184656](https://community.cartalk.com/u/gheist07_184656)\ **Post date:** [March 30, 2023, 2:17am UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/1 "2023-03-30T02:17:59Z")
My paid off 2016 Subaru Outback now has 105,200 mis on it. I can get a service agreement through the dealer from National Auto Care Corp. Cost for 4 yr agmnt is $3,820.00. Is it worth it? Note: I did have an extended Subaru warranty on it until 6 yr/80,000 mis. ---
**Author:** ![davesmopar](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/davesmopar/32/41750_2.png) [@davesmopar](https://community.cartalk.com/u/davesmopar)\ **Post date:** [March 30, 2023, 3:08am UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/2 "2023-03-30T03:08:13Z")
Just remember that warranty companies are a for profit company, which means that they are designed to make more money then they pay out… Every now and then you win, but most of the time they win… I am pretty sure you are overwhelmingly going to hear NO to any aftermarket warranty… Pay yourself that $3820 and put it aside in a car repair fund somewhere and if you need it then use it… ---
**Author:** ![Purebred](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/purebred/32/46796_2.png) [@Purebred](https://community.cartalk.com/u/Purebred)\ **Post date:** [March 30, 2023, 11:36am UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/3 "2023-03-30T11:36:08Z")
I too would say no. The service agreement likely is limited to two oil changes per year and little else. As Dave stated-save up your money for future maintenance&repairs. ---
**Author:** ![jtsanders](https://avatars.discourse-cdn.com/v4/letter/j/c2a13f/32.png) [@jtsanders](https://community.cartalk.com/u/jtsanders)\ **Post date:** [March 30, 2023, 12:35pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/4 "2023-03-30T12:35:57Z")
Do you have a copy of the service agreement? You should read it and see what it covers. Then determine the price of each service and see how close it comes to the $3820. Does the policy cover unscheduled repairs or just scheduled maintenance items? ---
**Author:** ![texases](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/texases/32/862_2.png) [@texases](https://community.cartalk.com/u/texases)\ **Post date:** [March 30, 2023, 2:04pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/5 "2023-03-30T14:04:18Z")
Two problems: first, as others have mentioned, the fine print on the contract (which you must read completely before any money changes hands) could make getting actual repairs difficult. We recently had a post where the claim was denied because they didn’t have written proof of all maintenance. Second, and a BIG problem to me, is that many extended warranty companies are pure scammers, and it doesn’t matter what’s in writing. I know of no way to distinguish the good from the bad, except that the carmaker’s extended warranty won’t be a scam, just expensive. ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [March 30, 2023, 2:13pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/6 "2023-03-30T14:13:11Z")
I have a feeling that the person asking this question will not return . If they look on the web they will see that there are a lot of complaints about National Auto Care. They said service contract which is not the same as a extended warranty . Very few vehicle need 900.00 dollars worth of service every year. ---
**Author:** ![George\_San\_Jose1](https://avatars.discourse-cdn.com/v4/letter/g/e5b9ba/32.png) [@George\_San\_Jose1](https://community.cartalk.com/u/George_San_Jose1)\ **Post date:** [March 30, 2023, 10:08pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/7 "2023-03-30T22:08:02Z")
> [@gheist07\_184656](#): > > Cost for 4 yr agmnt is $3,820.00. Is it worth it? If it covers all non-crash related repairs, without restrictions, co-payments, unreasonable proof for routine maintenance, etc, price seems reasonable. Another idea, propose to your local independent shop that you’ll pay them $3800 now, in exchange they provide all maintenance and repairs for the next 4 years. No harm asking. Either method may work in your favor, or may not. No guarantees in life. I think the idea of car repair insurance is a good idea, but like health care insurance, there’s likely a devil waiting in the details. ---
**Author:** ![texases](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/texases/32/862_2.png) [@texases](https://community.cartalk.com/u/texases)\ **Post date:** [March 30, 2023, 10:16pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/8 "2023-03-30T22:16:32Z")
I don’t think I’ve spent $3800 in years 7-10 for repairs on all 6 of my cars put together, let alone one car. It’s insurance, sure, but not a good deal. Pretty sure this doesn’t cover regular maintenance - oil changes, tires, etc, correct? ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [March 30, 2023, 10:22pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/9 "2023-03-30T22:22:07Z")
> [@George\_San\_Jose1](#): > > Another idea, propose to your local independent shop that you’ll pay them $3800 now What a dumb idea!! Just put that money in a savings account until you need it . Besides that shop may sell , close or just plain forget you prepaid . ---
**Author:** ![gheist07\_184656](https://avatars.discourse-cdn.com/v4/letter/g/ac91a4/32.png) [@gheist07\_184656](https://community.cartalk.com/u/gheist07_184656)\ **Post date:** [March 31, 2023, 3:13am UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/10 "2023-03-31T03:13:19Z")
Thanks, after I posted the question I decided not to proceed with it. I appreciate your input & perspective though ---
**Author:** ![STZ](https://avatars.discourse-cdn.com/v4/letter/s/53a042/32.png) [@STZ](https://community.cartalk.com/u/STZ)\ **Post date:** [April 1, 2023, 5:59pm UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/11 "2023-04-01T17:59:02Z")
It’s hard to get manufacturers to cover warranty repairs; it’s 10x more difficult with those private repair warranties. There’s usually a TON of fine print and you violated the agreement in some way and “CLAIM DENIED!”. Don’t waste the money, take that $3,820 and use it for preventive maintenance. Very first review I found of that company: > Terrible company with terrible service to match. They will do and say whatever they can to deny your claim. I had their coverage for 9 months and only filed one claim when my engine blew. I gave them all my service records as requested and still denied my claim. When I provided evidence to go against their reason (s) for denying they came up with 4 different reasons for denying my claim. ---
**Author:** ![nofyfb\_180405](https://avatars.discourse-cdn.com/v4/letter/n/22d042/32.png) [@nofyfb\_180405](https://community.cartalk.com/u/nofyfb_180405)\ **Post date:** [April 3, 2023, 12:35am UTC](https://community.cartalk.com/t/auto-extended-warranties/189840/12 "2023-04-03T00:35:05Z")
No way! Aftermarket warranty is a scam. I spent nearly 20 years in the field as a Mechanical Breakdown Inspector. Ask me if I have ever had that warranty.