Commonly referred to as a "warranty", vehicle service contracts pay the dealer or repair center in the event of a mechanical failure beyond the manufacturer's tolerances for all labor, parts and other associated costs required to repair or replace the damaged vehicle components designated in the agreement.

Yes, if you want to avoid being surprised by high repair costs. Mechanical failure happens frequently and is always unexpected. The probability for mechanical failure increases with the vehicle's age and mileage. This probability is why vehicle manufacturers only provide a warranty for a specific number of years or miles. With a VSC, you choose protection to match your future plans to trade or sell the vehicle.

As vehicles age and mileage increases, so does the cost of a vehicle service contract.  So the earlier you purchase a protection plan, the less it will cost.  Also note that the VSC applies for a period of years beginning on the date the agreement was purchased.  Be aware that some dealer programs and other VSC companies begin their coverage on the vehicle's in-service date; not the date of the vehicle service agreement.

It's always better and less expensive to buy a vehicle service contract when you have fewer miles on your vehicle.  The more miles you have on the vehicle, the more you should expect to pay. However, you need to consider your driving habits.  Examine how many miles you drive each year and how long you plan to keep the vehicle.  Your answers will help you determine the best term and mileage option.  Then our quote system will show you the cheapest plan for each option.

All plans offer a FULL money-back guarantee for 30 days, as long as there are no claims.

All of our warranty providers offer financing options.

Yes, coverage plans are available for both new and used vehicles.  Your vehicle's model year and mileage determines how the vehicle is classified.  Vehicles beyond a set age and mileage may still qualify for a premier coverage with an extended eligibility surcharge; otherwise, it will qualify for a used comprehensive coverage. or power train plus coverage.  But don't get confused, our system will analyze your vehicle's information automatically and compare rate plans from multiple admin companies to select the least expensive options for the most coverage.

You may purchase a VSC after your manufacturer's warranty has expired, but the longer you wait, the more expensive the policy could be. If you are referred by one of our affiliate dealers or repair facilities then your chances of eligibility increase.  Nonetheless, VSC’s are usually available for vehicles up to 15 years old with 125,000 miles or less.  On some occasions, we may require a complete inspection from an ASE certified mechanic in order to qualify for protection.

Generally speaking a coverage offering will expire at the 10th anniversary of the vehicle or at approx. 100,000 miles.  However we do have companies who may provide limited coverage on vehicles 15 years old and have been driven up to 125,000 miles.  Again, unless you are referred by an affiliate dealer or repair facility a complete inspection may be required in order to qualify for protection.

Depending on the program you select, there will be a waiting period by both time and mileage before your vehicle coverage will be active. 

For “Exclusionary" coverage, your VSC will expire at the end of the term or when the odometer reaches the total mileage selected.  For example, a 5 year/100,000 mile plan would expire 5 years from the date you purchased the warranty or when the odometer reaches 100,000 miles.

For “Select or Power Train Plus” coverage, the mileage of the plan selected is in addition to the current odometer mileage.  For example, a 48 month/48,000 mile plan would expire 48 months from the date the warranty was purchased or when the vehicle has been driven an additional 48,000 miles.

Every VSC includes free roadside assistance during the full coverage term.  If you have a break down anywhere in the United States or Canada, one phone call will summons assistance for fuel, flat tires, dead battery and more.  Most companies will also provide car rental while your vehicle is in the repair facility.

Wear & tear refers to a covered component that is worn beyond the manufacturer's tolerances and may be available with some policies.  Refer to your actual agreement to ensure you have this protection.

The Admin Company pays for all labor and parts required on a covered repair.

Seals and Gaskets coverage is included on most plans.  Refer to your actual agreement to ensure you have this protection.

No. After-market items are not covered by any VSC company.  Only factory-installed components are eligible for coverage.

You can have your vehicle repaired by any licensed repair facility that makes you comfortable.  We encourage you to use the affiliate dealer or repair facility that may have referred you but you may also take it in for repairs at your original dealer, your favorite repair shop, or any national chain that performs vehicle repairs.  And all claims are paid direct to the repair shop with a corporate credit card so you don't have to file a claim and wait for reimbursement.

You can either take your vehicle back to your original dealer or any ASE certified facility of your choice. They will be paid both labor and parts for a covered repair, so a dealership will welcome the additional business.  And all claims are paid direct using a corporate credit card so you don't have to wait for reimbursement when you file a claim.

First, there's no reason a reputable repair facility shouldn't accept your VSC coverage, which is why we encourage you to utilize the affiliate dealer or repair facility that may have recommended you.  Nonetheless, all repair facilities will get paid directly for all labor and parts for a covered repair.  But if you are told that the VSC will not be honored, call the toll-free number found in your agreement and let the administrator talk to the repair facility.  If the repair facility still won't accept the VSC plan, then we will try to find someone else locally to accommodate you and your vehicle.

Simply take your vehicle to the repair facility of your choice, or have it towed with the free roadside assistance benefit included with your VSC.  Show your vehicle service contract to the Service Department and they will call the administrator at the toll-free number listed in the agreement to authorize the repair.  Your only out of pocket expense is the deductible.  All repair facilities are paid directly over the phone using a corporate credit card.

All covered claims are paid direct to the repair facility using a corporate credit card.  Thus you do not have to pay for the repairs, file a claim and wait endlessly for reimbursement.  In fact, most repair facilities will not accept VSC agreements unless the company pays direct.

Your deductible is the only out of pocket expense you incur for a covered repair.  But more importantly, you only pay one deductible per repair visit.  Be careful when researching other VSC companies because some charge a deductible per repaired component.

You bet!  All VSC’s that we sell can be transferred in the event you sell your vehicle to another individual. In fact, your used vehicle may be worth more because you can transfer your VSC into the new owner's name.  Also see the answer to the question below regarding trading a vehicle.

If you trade your vehicle with a dealer, your VSC cannot be transferred to the dealer.  Instead, you receive a pro-rated refund of the VSC's purchase price based upon the term and mileage remaining on the agreement. Some conditions may apply depending upon the company.

Repairspaid.com continuously attempts to create affiliation with smaller dealerships, repair facilities and various other auto related industries.  The purpose of doing this is to eliminate any chance of deception on the part of the selling broker and to minimize the possibility of fraud or pre-existing conditions by customers on their vehicles.  Because of our business model, we are able to obtain better rates from the administrators. 

Yes, We have representatives standing by to answer your questions and provide you the best available options to protect your vehicle.  You may also use our online form to receive a quote. Once you enter your information a consultant will contact you directly. Without a referral from an affiliate, your vehicle may have to undergo a full inspection.  You may contact us for details on this process.

Most of our business is derived from our affiliate marketing program for smaller dealerships, repair facilities and other direct to consumer campaigns.  We choose our relationships carefully and do our best to bring them quality protection to offer their customers.  Our “customer first” approach is the reason for them choosing to do business with us.  We are here to ensure that all of our customers are well educated prior to making their decision.  We only deal with reputable affiliates, Administration companies and selling brokers to ensure customer satisfaction.