Avoid Car Warranty Scams|Get a US Direct Protect Approved Auto Warranty

Avoid Car Warranty Scams


While many legitimate and reliable car warranties are available online, there are also warranty scams in which low price warranties are offered to unwitting consumers who are actually paying for a useless or fraudulent warranty. Other scams include overpricing of warranties by affiliate and lead sites, and then there are car warranty sites which in reality are dreaded "phishing" sites that exist only to obtain private data that is then abused. Avoiding these scams, and finding the right online car warranty, is a matter of being alert and knowing how to recognize scams while dealing only with companies that have a proven track record in issuing car warranties.

Oftentimes, a new auto warranty company will suddenly spring up online, offering extremely low prices on a very small selection of auto warranties. This is an indication that the company is, at best, an affiliate or lead site which makes a commission only on those warranties, or, at worst, a scam site.

The scam sites offer warranty terms that seem too good to be true, and they are set up for instant payment. The warranty which you purchase from such sites is not of much value, as it is not backed by a legitimate and insured warranty provider. Usually, such warranties do not pay repair and body shops directly, but instead ask the warranty holder to pay, so that they can then escape having to reimburse you for the money you paid out. This is fraud, and almost no reliable car warranty issuer will ask you to pay for repairs - instead, they work with a network of auto repair services which accept their payments directly at no extra cost to you.

Worse yet are those online sites which contact you via E-mail, warning you that your warranty is about to expire. Chances are that not only is your warranty not expiring, but you have yet to purchase an extended warranty. The E-mail messages which they send contain links to phishing sites that do not offer any legitimate warranties whatsoever. Instead, they capture your personal data for use in subsequent scams, and they may even be able to access your secure accounts using the information that they request. Under no condition should you respond to E-mail offers for car warranties. No legitimate firm uses such methods, which are illegal under spam prevention laws.

Instead, insist on car warranties that are maintained by legitimate and known firms. These firms deposit your money into a claims reserve account, and carry re-insurance from A. M. Best A or higher rated firms to protect you in the event the warranty company fails or experiences difficulties. Such policies are well-advertised and often discussed on consumer ratings sites.

Extended Auto Warranties Keep You On The Road

Extended Auto Warranties Keep You On The Road
by Jonathan Jacob

Not preparing for automobile breakdowns compounds the issue and puts most people in a jam when they do finally breakdown on the side of the road. We depend on our vehicle`s to get us to and from work and to bring our kids to school, not having our vehicle can cause chaos in an otherwise routine arena.

A new car Factory Warranty covers a vehicle for a few years but most breakdowns occur after that coverage has expired. Luckily Extended Car Warranties are sold for those of us that want protection from unexpected engine failure or mechanical breakdown. We are going to go over what a driver needs to understand when they search for an Extended Auto Warranty

All Auto Warranties have different levels of coverage and drivers need to understand what level is right for their vehicle. Powertrain Warranties only cover major repairs like the Transmission or motor. Cars now a days have many high-tech parts and electrical components within the internal computer, if you qualify for a warranty that covers these parts it may be a good idea to pay a little more to have more coverage. Scheduled maintenance is required and may void your coverage if you fail to keep up on it and wear and tear items are almost never covered in Extended warranties.

A good Extended Warranty will allow you to use your policy at any ASC certified mechanic and most important will pay the repair facility over the phone with a corporate credit card. Some policies require the policy holder to pay the facility upfront and then reimburse them later. This defeats the purpose of not having to pay out of pocket expense`s

Most drivers will agree that it is much easier to pay a low monthly installments than to suddenly have to cover a several thousand dollar repair bill in one day. Even customers that are financially sound appreciate the ability to purchase an extended auto warranty in an effort to save money. Replacing an engine or a transmission is often not a realistic option for many of us, but having extended coverage makes it easy to handle. Pricing for extended auto warranties is remarkably low, and they certainly are much less than the potential expenses associated with repairing a multi-component breakdown.

Find out more about auto warranty companies , then visit Jonathan Jacob's site on how to choose the best used car warranties for your needs and your vehicle.

How To Choose An Extended Vehicle Warranty

By: David

Extended warranties allow you to have your vehicle covered after the manufacturer's warranty has expired.

With an extended car warranty, you can avoid unexpected expenses due to a vehicle breakdown or malfunction. The main levels of auto warranty coverage are bumper-to-bumper, full comprehensive, powertrain or powertrain enhanced coverage. Each level of coverage has more or less overage than other policies.

Bumper-to-Bumper Coverage auto warranty plans are the most comprehensive available. However, despite the name, a bumper-to-bumper plan does not necessarily cover every part of your automobile. A comprehensive extended warranty plan covers most auto parts, and these will be specifically listed on your policy. With a Powertrain Coverage you can protect your vehicle's powertrain i.e., the engine, transmission, drive shaft and drive axle. Again, as with the bumper-to-bumper and comprehensive options, the parts covered will depend on the specific policy.

So in choosing an extended warranty plan, you have the three main types of options listed above, and for each of these categories you will have a wide variety of specific plans to choose from.

A lower cost powertrain car warranty may cover the engine and transmission. A more comprehensive type of powertrain plan could include all of the above plus the drive axles and shaft, and the electrical components. Generally, the more comprehensive plans will cost more, but prices can vary widely from company to company due to competition and other factors.

Choosing the right extended car warranty will depend on your budget, and also how much peace of mind you require. You might want to consider the history of your car, and its general reputation for reliability when choosing a plan. Also the mileage and wear-and-tear on the vehicle are important considerations. A more comprehensive extended warranty would be needed if you have a longer than usual roundtrip from work and back.

You also should take into account the provider of the extended car warranty as the quality and reliability of service can vary significantly. Use companies with industry standard credentials and that have memberships in professional business associations like the Better Business Bureau. Do your own homework into a warranty companies reputation and ask for references. The internet is a great place to find information on practically any provider.

Carefully read over the fine print of any policy before making a final decision. Makes sure you know exactly what coverage is included and if any exceptions apply.

About the Author

Extended Car Warranty Company US Direct Protect has top coverage and the best rates. Purchase an Extended Auto Warranty with peace of mind because US Direct Protect is a member of the BBB. US Direct also has the fewest complaints of any Warranty seller in the entire Industry.

(ArticlesBase SC #3201433)

Article Source: http://www.articlesbase.com/ - How To Choose An Extended Vehicle Warranty

US Direct Protect Writers Gain Expert Status

The writer`s at US Direct Protect, a group of Industry experts that team fro US Direct Protect to improve the industries reputation by pointing out the service that US Direct Protect and Car Service Contract dot come provide. Hassle free policies that are priced $200.00 to $300.00 cheaper than any other seller of auto warranty company or vehicle service contract provider.

US Direct Protect to Be on Morning Talk Show

US Direct Protect has been invited on a popular morning talk show. The Balancing Act would like to explain to their viewers the benefits of haveing an Extended Warranty.

US Direct Protect will now offer a pay as you go Auto Warranty. This is very revolutionary for the Warranty Industry. In the past you either had to pay the warranty in full or finance it over 12-18 months. But if you took the whole warranty over 5 years the monthly payment would only be 50.00. So now customers can pay a low monthly payment and pay only as long as they want the coverage, if you make your monthly payment, your covered that month. If money is tight you can skip paying that month and continue the following month. Of course, there would be no coverage on the month were the monthly payment was not made. Read all about it here by clicking the link below.

Extended Warranty Company and Car Service Contract Provider US Direct Protect Announces a Pay as You Go Auto Warranty Program

When is a vehicle service contract not worth it?

Vehicle service contracts can be great investments in the well-being of your automobile. However, it is important to also consider times when they are not a worthwhile investment. Like any type of extended warranty, certain factors come into play when deciding to purchase a vehicle service contract.

How long will you keep the vehicle and how old is it?

A vehicle service contract is a great investment for a car you intend to take care of for more than a year or two. But if you like to trade in your car every year, a vehicle service contract may not be a worthwhile investment. Also, consider how old your car is. If it is a brand new car and you will be trading it in within two years, you may already have an extended warranty on the car that will cover most repairs.

Does it add to the existing warranty?

There is no reason to sign up for a vehicle service contract if your new car comes with a warranty that offers the exact same coverage. However, it can be a good idea if it offers additional protection that is not covered by the manufacturer’s warranty. Check the terms of the vehicle service contract and compare them to the terms of your car’s manufacturer’s warranty first.

Can you follow the strict maintenance schedule?

Often, a vehicle service contract will insist that you follow the car’s maintenance schedule for things such as tire rotations and oil changes. If you do not follow this schedule strictly, your coverage may be denied. If you do not think you can adhere to the schedule, a vehicle service contract may not only be a bad idea – it may not be an option at all.

Where can you have repairs done?

There are vehicle service contracts that allow you to go to any repair shop, and there are others that restrict you to certain shops. Make sure you pay attention to this portion of the contract. If you are planning on taking this vehicle on a road trip, you may want to make sure you can take it to any shop that you can get to, or you may be out of luck should something happen.

David Cunningham
Expert Author in Extended Warranties

The Auto Warranty: Why You Need It

Submitted by Keri Smith

The Auto Warranty: Why You Need It

If you are driving down the road and another car hits you, rendering your car useless, your car insurance (hopefully) will cover the damages so that you can get back on the road. But if you are driving down the road and your transmission falls out, your insurance company might pay for the towing to a repair shop, but it is up to you to scrape together the money to have it fixed. In the meantime, you are off the road. This is where an extended auto warranty would come in handy.

What is an auto warranty?

An auto warranty could be considered “insurance” for the wear and tear on your vehicle. There are different types of coverage you can pay for, but the idea remains the same: sometimes, it does not take an accident to need auto repair.

How does an auto warranty protect you?

In the above situation, the used car warranty would pay for the repairs to your transmission. This would then allow you to have it fixed immediately, getting you back on the road as soon as possible without dropping a bomb on your financial world.

Do you need an auto warranty?

How often do you need your car? Every day? Do you have a family that needs reliable transportation? Besides the car, what about your bank account? A serious repair job on a car can empty your bank account and rack up large credit card charges very quickly. When you are supporting your family, you need the security of knowing that your repairs can be paid for.

By opting for the low monthly payment of an auto warranty, you provide yourself and your family with the financial peace of mind knowing that major problems with your car can be repaired quickly and easily.

Submitted by a US Direct Customer

When I purchased my last used car, it did not come with an extended warranty. I came to the conclusion that it would be a prudent idea to invest in a car warranty . The dealership did offer me a warranty option but it looked to be too expensive for too little benefit. I regret passing on their offer. The extended auto warranty I purchased was awful. The company took my money and then did not pay for any of the 4 claims I filed. I ended up having to contact the state attorney general to get a partial refund and found out the company went chapter 11! Well, I decided that I needed to do my homework on Vehicle Service Contracts. There was no reason that I should not have last time and after my last experience, I was in no mood to get burned again. I read through dozens of consumer magazines, website, car buying guides and even testimonials. I scoured the public library, internet and even the phone book! Extended auto warranty companies are everywhere. However, most ended up having a terrible track record and scary customer service stories from their customers. These companies almost made me consider giving up on trying to purchase a car warranty. Finally, I found a review website that said US Direct Protect would not take me to the cleaners. They also had a high rating on the BBB. The reviewer stated that they had several extended auto warranty plans through this company and would buy again.I decided to call them and see if they were the real deal. After I called the number, a gentleman Answered and he asked me how I was doing and how he could help me. Not only was he and professional but he was quick and honest to his word. He ensured that I had a quote within ten minutes and stayed on the line to help me understand why Us Direct Protect was the best choice. I called back several days later and a another woman picked up the phone and assisted me in the exact same way that the young man had! They went over the all the levels of coverage options that they had available and I picked out the one that fit me best. This level of transparency and salesmanship is rarely seen anywhere. Thankfully, Us Direct Protect was there to sell me my warranty!

The uses of car service contracts are provided in a very simple way which is not listed in many of the other car warranty blogs like we do here. We list how a contract is helpful for the owners of the vehicle to lower their large amount of expenditure in case of any damage, defect or repair on the car. The time details of the blog posts are also listed clearly at the end of the blog. This blog clearly compares both the car warranties and car service contracts and provides the details on how car service contracts are better than car warranties. These types of comparisons are usually not found in many blogs. It also elaborates the practical situations of many people where they were able to save a large amount of money using the extended car warranties. These practical examples are not commonly found in other blogs. The details are scarce and the smoke screens are many.

How Do Extended Auto Warranties Work

As you no, some situations can starts quite well and then end in an unexpected and unfortunate way. However, when it comes to the relationship you have with your car, this doesn't have to be the case. There is a type of auto warranty that is made specifically to make the car live up to your expectations. It is often referred to as an "extended vehicle warranty" and can help you make sure you don't lose money on costly repair work.

An extended auto warranty is actually a vehicle service contract or car service contract, as it is not included in the price of the main purchase. It will help cover the costs of repair work on your vehicle if something breaks down.

There are a few things to consider before purchasing an extended warranty:

* What is the Factory Warranty period for the automobile you are buying and how long do you plan on keeping it?

Many used cars come with a manufacturer's warranty at the time of purchase. Consider how long that coverage is for and if you plan on keeping the car after it expires.

* How reliable is the car that you are buying?

Examine at the car model's reliability record by doing research online. It will give you a general idea of what problems commonly occur with this type of car and how much the repairs cost.

* Is there a deductible and how much is it?

You should read the terms of the extended vehicle warranty carefully before you decide to get it. Some vehicle service contracts have a deductible each time you take your car to be serviced, while others will make you pay an amount for each repair. This will be much less than paying out of pocket for a break down, but it can certainly add up if your car has multiple breakdown.

* Do I have to pay up front?

Most auto warranties will immediately pay the repair facility for work done on the car, while others require you to pay the claim upfront and later reimburse the customer for the cost of the claim.

What Is A Car Service Contract

The whole idea of issuing auto warranties is to guarantee that if the vehicle purchased turns out to be defective in whole or in part, the owner is not left just holding the bag so to speak. For instance, if a person buys a brand new car that is fully covered under warranty and after having that car for a couple of months the motor completely quits that warranty will pay to have the motor replaced. Most vehicle warranties will also pay for a loaner or rental car during the repair period so that the owner will not be inconvenienced.

As you can see making car warranties available to their customers is an important part of any car dealership. A Car Service Contract makes good sense from the owners point of view because they will not be paying for something that is simply not their fault if a faulty part causes a breakdown of their vehicle. No one wants additional expenses when they are already spending what their budget will allow.

Car Warranties Make Purchasing A New Car Just A Bit More Comfortable

Car warranties make purchasing a new car just a bit more comfortable since a large portion of a person's budget is taken up with the monthly payments of such a purchase. With auto warranties comes the assurance that if something should go wrong with the vehicle that has nothing to do with its use or maintenance, all is not lost. This is the reason why most auto dealers offer to their customer's cars service contract.

A cars service contract is usually built into the original purchase of a new car, and extended vehicle warranties are also offered at the time of the sale. Some used cars are also eligible for adding extended auto warranties and this can be quite helpful especially when maintenance records are not available. By adding extended car warranties many people have saved themselves a bundle of money after mechanical breakdowns occurred.

How To Know What Extended Warranty Is the Best

The best car warranty depends on a few things. How much do you drive? How long do you plan to keep your vehicle? If you plan to keep your vehicle for many years and you have under 80k miles you qualify for a Full Comp plan or a Powertrain Enhanced. If your over 80k you can still get a Powertrain Enhanced or a Powertrain Warranty. Many Auto Warranty Companies can be found on Google to give you a free quote but make sure the company that you choose to make the purchase from has at least a B on the BBB. There are many Extended Auto Warranty Companies that sell uninsured policies that rarely pay claims.

How Do You Pay For A Car Warranty

When You go to purchase a Car Warranty there are 2 ways to pay. First , you can pay the whole policy off at the time of purchase. Usually there will be some kind of incentive to do this. Most customers pay for there car warranty with installments. Most Auto Warranty Companies set the customer up with interest free financing through a 3rd party Finance Company. After the down payment of usually 10%, the customer would pay the remainder in 12, 18 or 24 months.