Best Used Car Extended Warranty Companies in Florida

Crash Course:

• Reputable warranty companies in Florida include Endurance, CARCHEX, and CarShield.
• Consider average repair costs for your car to decide if a warranty is worth it.
• Comparing multiple quotes is the best way to find affordable warranty coverage.

Endurance is our pick for the best used car extended warranty company in Florida because it offers plenty of coverage options and transparent pricing.

Best Extended Car Warranty Companies In Florida

Below are descriptions of the best extended car warranty companies that provide extended car warranties in the state of Florida:

Endurance: Best Overall

• Our pick for overall top provider
• Contract term limits up to 8 years with unlimited miles
• Plans come with a variety of benefits 

Endurance offers six coverage tiers, including a plan called Select Premier that’s uniquely designed to suit the needs of high-mileage vehicles. The Select Premier plan covers major systems including your engine, transmission, drive axles, air conditioning, and select electrical components.

Endurance also offers the industry’s best benefits package, which is another reason it ranks highly on our list of the best extended warranty companies for used cars. Roadside assistance, trip interruption coverage, and rental car reimbursement are all included for the duration of your warranty. Plus, the provider throws in a year of Endurance Elite Benefits, which gives drivers perks like free key fob and tire replacements, identity theft recovery services, a personal concierge, and more.

Endurance provides sample contracts and free, online quotes. For a full look at this provider, read our complete Endurance warranty review.

CARCHEX: Best Reputation

CARCHEX is our top pick for high-mileage vehicles based on its long-lasting extended auto warranties. CARCHEX customers can choose between five coverage plans, which range from basic powertrain protection to exclusionary, bumper-to-bumper coverage. The provider is also backed by industry leaders, including Kelley Blue Book, CARFAX, and RepairPal.

Read our comprehensive CARCHEX review for more information, and click below to get a quote from this provider.

CarShield: Affordable Monthly Payments

• Offers flexible month-to-month plans
• Contract term limits up to 300,000 miles
• Sample contracts and online quotes easily available 

When we reached out to major car warranty companies for quotes, we found CarShield to offer some of the lowest monthly payments. The company has eight total coverage options, including those for new and used cars, motorcycles and ATVs, and electric vehicles.

CarShield’s month-to-month contracts enable you to have coverage for as long as you want. This makes it a great option if you just want to have coverage for a couple of years. The company’s electric vehicle plan covers things like the EV drive unit. Not all companies can cover EV components.

To read more about this provider, read our comprehensive CarShield review.

Things To Consider When Purchasing An Extended Car Warranty In Florida

If your car is nearing the end of its factory warranty, you may be considering a vehicle protection plan to extend your vehicle coverage and keep your peace of mind on the road. But what exactly does a vehicle protection plan entail and is it really worth the financial investment?

Here are some things to consider:

• Vehicle reliability: Service contracts are more likely to pay out when the vehicle has lower average reliability. You can use resources like RepairPal to get average repair costs for your car.
• Choice of repair shop: Some plans require you to visit a specific dealer or brand of shops for repairs while others are valid at any licensed mechanic.
• Benefits: Reputable companies usually include roadside assistance, rental car coverage, and trip interruption.
• Cost: Some companies only offer month-to-month plans while others offer fixed-price contracts. It’s good to calculate the cost per year of coverage so you can compare apples-to-apples.

What Is a Vehicle Protection Plan?

A vehicle protection plan – also called a vehicle service contract, extended car warranty or extended service contract – is one way to protect yourself against having to pay for mechanical vehicle repairs after your factory warranty expires.

There are two main types of vehicle protection plans: powertrain and bumper-to-bumper warranties.

• Powertrain warranty: This vehicle protection plan is usually the most basic coverage offered by a provider. It covers only the parts of your vehicle that make it move, including your engine, transmission, drive axles and related parts.
• Bumper-to-bumper warranty: This is the most comprehensive type of vehicle protection plan. It covers almost all components of your vehicle, aside from a few exclusions.

Providers often offer more than just these two options. For example, you might have a vehicle protection plan that covers powertrain components as well as a few additional parts, like your air conditioning, brake system or electrical components.

It’s important to note that vehicle protections typically don’t cover:

• Routine maintenance services like oil changes
• Wear-and-tear parts like filters, brake pads, and wiper blades
• Appearance parts including interior upholstery and exterior dents, dings, and paint
• Collision damage
• Damage from environmental events like floods, fires, and acid rain

Vehicle protection plans also won’t cover pre-existing issues. Usually, you’ll need to wait 30 days and drive 1,000 miles before your coverage kicks in to ensure your vehicle is in proper working condition when you purchase your warranty.

Additional Perks

Most reputable extended car warranty companies include a number of added benefits with their vehicle protection plans. These typically include:

• 24/7 roadside assistance: If you’re in need of a service like winching, emergency fuel delivery, battery jump-starts or lockout assistance, it will likely be included with your extended auto warranty coverage.
• Courtesy towing: If your vehicle becomes inoperable, your provider will cover towing to the nearest repair facility.
• Trip interruption coverage: If your vehicle breaks down far from your home and you need to stay overnight while repairs are made, your provider will reimburse your meals and lodging expenses up to a certain amount.
• Rental car reimbursement: If your vehicle is in the shop for a covered repair, your provider will reimburse you for a rental car or other alternate transportation up to a certain amount.

How Does a Vehicle Protection Plan Work?

A vehicle protection plan can be purchased from either a car manufacturer or a third-party provider. It’s important to weigh the pros and cons of extended car warranties offered through either option. This way, you can make an informed decision on which provider is best-suited to fulfill your car warranty coverage needs.

Here are a few key differences between manufacturer-backed plans and those from third-party providers:

	Manufacturer Vehicle Protection Plan	Third-Party Vehicle Protection Plan
Repair Facilities	You’ll be required to take your vehicle to a dealership for repairs.	You’ll be able to take your vehicle to any authorized repair shop, including dealerships.
Repair Options	Repairs are guaranteed to be made by factory-trained technicians using genuine replacement parts.	Repairs can be made by factory-trained techs if you take your vehicle to a dealership for repairs, but there’s no guarantee your provider will cover the full price of genuine replacement parts.
Time Limits for Purchasing	Typically, coverage must be purchased at the time you buy your vehicle or before your factory warranty ends.	Contracts can be purchased at any point in your vehicle’s lifetime.
Plan Options	Manufacturers usually have fewer plan options to choose from.	Third-party providers typically offer many plan options so you can cover only what you need.
Contract Details	Contracts may be tailored to the unique needs of your car brand.	Contracts are more generalized to the needs of all vehicles.
Term Limits	The longest contract terms typically only last up to about 150,000 miles.	Contract terms are much longer, with top providers offering coverage up to 200,000 or 250,000 miles.
Price	Manufacturer-backed vehicle protection plans are typically more expensive and may be subject to dealership markups.	Third-party plans are typically cheaper and are not subject to dealership markups.
Claims Process	Claims are handled directly through dealership repair facilities.	The claims process may be more involved.

Best Extended Warranties in Florida: Conclusion

Considering different options in the industry, our top picks for Florida extended warranty companies are Endurance, CARCHEX, and CarShield. We encourage you to compare quotes from multiple companies to find the best deal. Also, be sure to read the fine print so you know exactly what is and isn’t covered.

Florida Used Car Warranty Companies: FAQ

Below are a few frequently asked questions about used car warranty companies in Florida:

*Data accurate at time of publication.