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Old 10-30-2009, 04:14 PM   #1
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Default Auto Warrany is it worth it?

So im doing payments for my car through citi financial and i got along with my bill a thing for extended service contract for another 4 yrs or 70000 miles. I still have about 4 yrs to pay off my car. Right now my car has about 96000. The total payment is around 2500 and if i agree for their contract its 130 first payment then 98 for 24 months. Do u think its worth it? I pay 100 deductable and they do cover alot of stuff.

VEHICLE INFO/ PLAN YEAR: 2002MAKE: PontiacMODEL: Bonneville
VIN:
MILES: 96121
TYPE: Silver
ADDITIONAL MONTHS: 48
ADDITIONAL
MILES: 75000
DEDUCTIBLE: 100
TOTAL SALE PRICE: $2,487.00
DOWN PAYMENT: $130.90
MONTHLY PAYMENT: $98.18
NUMBER OF PAYMENTS: 24

SILVER LEVEL COVERAGE 1. Engine - engine block, cylinder head(*), cylinder barrels, timingcover, valve cover(*) and oil pan are covered only if damaged by thefailure of an internal lubricated part listed below. The followinginternal lubricated parts are covered: pistons, wrist pins and rings,connecting rods and bearings, crankshaft and bearings, camshaft,lifters, followers and cam bearings, rocker arms, push rods, shafts andbushings, valves, springs, replaceable guides, seats, timing gear andchain, timing chain or belt and tensioners, oil pump, water pump,intake and exhaust manifolds, engine mounts and cushions, engine torquestrut, harmonic balancer, flywheel/flex plate and ring gear, dip stickand filler tube. Also covered is the internal lubricated parts of thevehicle manufacturer installed turbocharger or supercharger. Thehousing is only covered by the failure of an internal lubricated part.

2. Transmission - transmission case, transfer case are covered only ifdamaged by the failure of an internal lubricated part. All partscontained within the case including the following internal lubricatedparts are covered: torque converter, oil pump, valve body, governor,vacuum modulator, internal linkage, bearings, gear sets, bands, mainshaft, drum, sealing rings, dip stick and filler tube.

3. Drive Axle - differential housing, transaxle housing and final drivehousing only if damaged by the failure of an internal lubricated part.All parts contained within the housing including the following internallubricated parts are covered: axle shafts, gear sets and bearings,Constant velocity joints (CV), universal joints, drive shaft, lockinghubs and rings, supports and retainers.

4. Electrical - starter and solenoid, alternator, voltage regulator,distributor, main wiring harness, manually operated switches, wipermotors, gauges, window motors, power window regulators, rear windowdefroster, mirror motors, seat motors, convertible top motor, power doorlock actuators, cruise control-transducer, servo and engagement switch,combination turn signal switch, horn(*) and horn button, wiper delayswitch and controller, windshield washer pump, sun/moon roof motor andmanual switch, front differential engagement switch and motor.

5. Steering - gear housing is covered only if damaged by the failure ofan internal lubricated part. All parts contained within the steeringrack/gear housing are covered including the following: rack and pinion,power steering pump, power cylinder, main and intermediate shafts,couplings, cooler and cooler hard lines, pitman arm, idler arm, tie rodends.

6. Air Conditioning - compressor, clutch, clutch coil, and clutchpulley, condenser, condenser fan motor, evaporator, POA valve,accumulator, orifice, temperature control programmer and power module,high/low cut off switch, pressure cycling switch, receiver-drier.

7. Suspension - upper and lower control arms, control arm shafts andbushings, upper and lower ball joints, steering knuckles, wheelbearings, stabilizer shaft, linkage and bushings, king pins andbushings, spindle and support, torsion bars, leaf springs, coil springs.
8. Brakes - Anti-Lock Brake System (ABS) - wheel sensors, its pump andpressure control module. Master cylinder, power assist-booster pump,vacuum assist booster, wheel cylinders, combination valve (proportioningvalve), steel hydraulic lines and fittings, brake calipers and rearactuators, backing plates, springs, clips, self adjusters, parking brakelinkage, and cables.

9. Fuel Delivery - mechanical and electrical fuel pump, fuel tanksending unit, fuel injection pump or diesel fuel distributor, metal fuellines, fuel injectors, fuel injection sensors and control module.

10. Heating/Cooling - thermostat, radiator and mounting brackets; fan,fan motor and blade, fan clutch, controller module shroud; coolantrecovery unit; heater core, AC/Heater blower motor.

11. Seals and Gasket Coverage - all seals and gaskets for the specificcomponent assemblies listed are covered, as either individual repair orin conjunction with the repair of a covered component assemblies.

12. Taxes and Fluids - also covered are state and local taxes whereapplicable and fluids to complete a covered repair.

ADDITIONAL BENEFITS Rental Assistance In the event of a mechanical breakdown of a coveredpart, you will be reimbursed for actual expenses incurred for substitutetransportation up to $35.00 per day, for five (5) days, not to exceed$175.00 per occurrence. Trip Interruption Assistance Provides reimbursement up to $225 for mealand lodging expenses incurred when a covered breakdown disables yourvehicle more than 100 miles from your hometown. Contract Transferability In the event you sell the covered vehicle toanother private party, you may apply for transfer of coverage to the newowner. Refer to the service agreement section terms & conditions fornecessary procedures. Accepted Nationwide American Guardian service contracts are accepted byrepair facilities anywhere in the U.*. and Canada. Claims can be paid bycorporate credit cards to expedite your repair. Roadside Assistance Roadside Assistance benefits are provided for theterm of the Agreement for up to $50.00 per occurrence. You are entitledto one (1) Roadside Assistance service per 72-hours. Assistanceincludes: Towing Assistance When towing is necessary, the covered vehiclewill be towed to the destination of your choice. Battery Service If a battery failure occurs, a jump-start willbe applied to start the covered vehicle. Flat Tire Service Tire service includes removal of the flat tireand its replacement with the covered vehicle'* spare tire. Emergency Fluid/Fuel Delivery Service An emergency supply ofcoolant, oil, water or fuel will be delivered to your covered vehicle at place of disablement. Youwill pay the cost of the actual fluid or fuel when delivered. Lock-Out Assistance If your keys are locked inside the coveredvehicle, assistance will be provided to gain entry to the vehicle.
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Old 10-30-2009, 04:44 PM   #2
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You will get as many opinions on this as the number of people you ask. My opinion is no. They don't offer extended warranty out of the goodness of their hearts. They offer them because they make a lot of money on them.

Part of my reason for saying no, however, is because I can fix a lot of this stuff myself, and save a ton of money that way.

You said your loan is through Citi, but who is the extended warranty carrier? Is it Citi as well? I have heard comments in this forum from members that find it difficuly to collect from certain companies.
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Old 10-30-2009, 04:48 PM   #3
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If you can afford it I would do it... Look at it like this... even tho everything isnt covered, it will cover the main parts that will prolly go out at 160,000 miles...

Just keep in mind with extended warranties... if it looks like its damaged due to racing, neglect, or any other type of abuse that isnt the cars fault they might not cover it... so if youll be hot-******* it, keep that in mind.

the others may have some thoughts on it so let them chime in with opinions and what not

good luck with it
- TL

btw hows the car running currently??? any major problems happen so far or she smooth sailing?
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Old 10-30-2009, 04:53 PM   #4
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for the most part she is smooth sailing. I love this car even at 96k miles its still smooth as a babys bottom!
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Old 10-30-2009, 05:05 PM   #5
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When you bought the car was there a repair history included so you know whats gone wrong over time? this helps determine if parts have been problematic, or if its all still factory... something to look into when making a decision like this

its all a gamble really, it could be a perfect company that would help with anything, but if nothing goes wrong up past 160,000 *seen it happen multiple times* then you paid them for no reason. or it could be a company that just wants the money and everything that breaks they find a loophole to get out of paying for it *seen this too*

just fyi on these from a dealership pov... we get cars in with ext warr'* and for everything *to be covered* it has to sit, torn apart til the appraiser person comes by and looks to see if its the cars fault or the neglectful driver, this can take a week or more from the time you get it to the shop, to finding out if its covered. and if its not covered your out the money for what the shop has done to that point, and it will go up if you want them to put it back together and finish the job... can be a bad situation sometimes... just want you to know so you can make the best judgement, not trying to scare you or anything
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Old 10-30-2009, 05:13 PM   #6
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i made the mistake of buying coverage for my X5 that was a tier less than the one the dealership was offering to save myself a thousand bucks...my first bill from the dealership was close to four grand. Had i of gone with the more comprehensive package it would have cost me $100 as all the components were covered in that group. A thousand bucks could have saved me $3700..lesson learned... absolutely! That'* my 2 cents.
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Old 10-30-2009, 08:13 PM   #7
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Who'* the company providing the warranty? If it'* USFidelis or Stop Auto Repair Bills, don't do it. They are rated F from the BBB for a reason.

If going for a extended warranty, check out CARCHEX® - Get Protected

Probably the best thing I found. Exactly like a dealers new car bumper-bumper warranty.
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Old 10-30-2009, 08:25 PM   #8
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Alot of people throw money away for policies that turn out to be hard to get money back. Some are legit and worth it. Check the company in question out. Google is a good friend. Do they have places to take your car that will get the money from them? Or do you have to front the money and wait for them to refund. Alot of pluses and minuses. Do your research.
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Old 10-30-2009, 08:34 PM   #9
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Quote:
Originally Posted by GXP Venom View Post
Alot of people throw money away for policies that turn out to be hard to get money back. Some are legit and worth it. Check the company in question out. Google is a good friend. Do they have places to take your car that will get the money from them? Or do you have to front the money and wait for them to refund. Alot of pluses and minuses. Do your research.
The company I posted you can take your car to any ASE certified shop. They have plans that are $100 deductible per instance, or nothing at all. Also, they pay the shop directly. I did my research on them and found them to be one of the best companies.
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Old 10-31-2009, 12:38 AM   #10
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ok thanks alot ill do my research. BTW the name of the company is APC Automotive Product Consultants

Automotive Product Consultants Inc. would like to thank you for takingthe time to consider our program. Following is the information yourequested. This American Guardian Protection Plan Agreement isadministered by American Guardian Warranty Services, Inc., which hasbeen a premier provider of vehicle service contracts for many years andis backed by Virginia Surety Company Inc., currently rated by A.M. Bestas A- (Excellent). Having a comprehensive extended service contract willprovide you with peace of mind, knowing that you and your vehicle willbe taken care of in the event of an unexpected breakdown. We feel it is especially important to protect your vehicle, in view oftoday'* high cost of repairs. Below, you will find information outliningthe benefit level of each plan. Please call me at 1-866-225-6417 to affect your coverage immediately. Ihave outlined the plan we discussed below for your convenience:
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