Frequently Asked Questions

An Extended Service Plan sometimes called an Extended Warranty or Auto Warranty, is a plan that can be purchased by a consumer that will cover the costs of repair, parts, labor, and/or sales tax for certain repairs or replacements. They are similar to the manufacturer warranty that comes with most new vehicles when new with the added benefit of being able to use any licensed repair facility of your choice.

Yes, you can really choose any dealer, national repair chain, or your local mechanic to perform the repairs on your vehicle with one of our Extended Service Plans. This is not true of all extended service plan providers, especially the one you purchase at the dealer which usually limits you to that manufacturer’s dealerships only. (when traveling this can be a nuisance)

This is one of the best aspects of having an Extended Service Plan from Auto Guard. Claims are very simple. Bring the vehicle to the repair facility of your choice, present your Auto Guard ID Card to the service writer. They contact the claims department. Claims will authorize the payment of any covered repairs via a company credit card over the phone. All you pay is your deductible (if any). There is no paperwork, no limit on the number of claims you file, and no need to pay first and then wait to be reimbursed.

With Auto Guard, when your repair has been completed, you pay the deductible, we handle the rest. Many Extended Service Plans offer a zero deductible option where you'll never reach into your pocket for a covered repair at an additional premium. Most consumers choose the standard $100.00 deductible to keep the overall coverage cost low.

Your vehicle is a big investment. You most likely spent a lot of money at the time of purchase or over the course of your payment plan. To get the most value out of your investment, you want to keep it in the best running condition. Extended Service Plans or Vehicle Service Contracts are designed to protect your investment by keeping your vehicle in good, drivable shape without you having to incur a lot of extra repair costs. Did you know that the average hourly rate for mechanic labor is over $100 an hour at most repair shops? When you factor in parts, labor, towing, rental car coverage, etc. The value of an Extended Service Plan becomes quite clear.

This rarely happens. Most repair facilities are happy to have repair costs authorized in advance. It makes it easier for them as well as their customer. They naturally want you, the customer, to have the least inconvenience. In the event you come across a repair facility that doesn’t take one of our plans, allow us to step in and assist. If they still refuse, we will refund the unused portion of your premium.

If you decide to cancel, we are more than happy to offer a money-back guarantee if you are not satisfied with your Auto Guard Extended Coverage Plan. Within the first 30 days, we give you a full refund. After that time period, a pro-rated refund will be issued for the unused portion of your service plan based on time and mileage used

Yes, it can. If you decide to sell the vehicle or give it to a family member, transferring the balance of the plan to the new owner is a great way to increase the value. Most used cars sold with this type of coverage bring more than those without. If giving to a family member or friend, they will appreciate the same peace of mind you have enjoyed with your Auto Guard Extended Coverage Plan. The fees for transfer are usually $100.00 or less.

Yes, customer affordability is one of our primary objectives. We can customize a payment plan to fit almost any budget. We offer no interest, no finance fees and no credit check to all of our customers. Claims are paid regardless of which payment plan you choose and coverage is not affected by unpaid balance.

We believe in offering a fair price to all consumers. We don’t add on extra commissions, finance fees or any additional costs. We keep our operating costs in line so that we can pass the savings on to you, the consumer.