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Old 09-12-2017, 10:50 AM   #1
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Truck extended warranties

Any good recommendations to truck extended warranty companies?
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Old 09-12-2017, 11:36 AM   #2
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No such thing as an 'extended warranty' UNLESS offered by Vehicle MFG.

All others are 'Service Contracts' with excessive exclusions.
Few folks benefit
Run the numbers.......up front cost vs payout
Example: purchase contract for $5000 for 5 year coverage
2nd year you have $2000 claim/gets paid
3rd year you have $1000 claim/gets paid
4th year you have $1000 claim/gets paid
5th year you have $3000 claim/gets paid
Company paid out $7000 for a $5000 policy....lost $2000 over 5 yrs.

So how do they stay in business.....by charging $5000 fee and 'denying' claims


Take the monies you are willing to spend on a 'service contract' and squirrel it away...adding to it routinely
Call it an 'Emergency Fund' and do NOT touch it except in real emergency.

As evident by my post......
I am NOT a fan of these 'service contracts'
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Old 09-12-2017, 12:16 PM   #3
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Originally Posted by Old-Biscuit View Post
No such thing as an 'extended warranty' UNLESS offered by Vehicle MFG.

All others are 'Service Contracts' with excessive exclusions.
Few folks benefit
Run the numbers.......up front cost vs payout
Example: purchase contract for $5000 for 5 year coverage
2nd year you have $2000 claim/gets paid
3rd year you have $1000 claim/gets paid
4th year you have $1000 claim/gets paid
5th year you have $3000 claim/gets paid
Company paid out $7000 for a $5000 policy....lost $2000 over 5 yrs.

So how do they stay in business.....by charging $5000 fee and 'denying' claims


Take the monies you are willing to spend on a 'service contract' and squirrel it away...adding to it routinely
Call it an 'Emergency Fund' and do NOT touch it except in real emergency.

As evident by my post......
I am NOT a fan of these 'service contracts'
I kinda had the same thought.

my truck is pretty fresh, but I do know they are expensive to work on. My last truck had an extended warranty, and I certainly used it, but not to the tune of what I paid for it.
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Old 09-12-2017, 01:12 PM   #4
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When I had the 2013 F150, I found the extended warranty great, and I never had any hassle about doing it at any Ford dealer. I have regretted those 3rd-party ones on the Chrysler products I have owned.
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Old 09-12-2017, 01:16 PM   #5
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Agree stay away from 3rd partys
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Old 09-12-2017, 06:38 PM   #6
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For a factory extended warranty, shop the internet because you don't have to buy from your dealer. I saved nearly half by shopping around.
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Old 09-12-2017, 07:35 PM   #7
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Agree with the consensus here. I took it in the shorts on a 3rd party contract once.

Once
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Old 09-12-2017, 09:16 PM   #8
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Mopar says I'm too many miles for a mopar extended....
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Old 09-13-2017, 08:07 AM   #9
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I just bought an 09 F150 with 115K miles and paid $2300 for a 3yr/36K mile warranty that is good at any Ford dealership nation wide. I pay a $100 deductible and it covers everything on the power train and stock equipment but fluids (oil, coolant, etc) and wear and tear items (brakes, rotors, tires, etc).

I've been burned by two 3rd party warranty packages in the past so I agree with everyone else. Not worth it.
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Old 09-13-2017, 11:37 AM   #10
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If an ESP is not a manufacturer plan, I don't suggest buying it.

Outside company ESPs must be guaranteed by an independent insurance company or they can be a worthless product if the company goes out of business. Relatively few outside companies are insured, and you want someone to have the funds to pay if/when you need it.
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Old 09-13-2017, 03:51 PM   #11
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Mopar says I'm too many miles for a mopar extended....
you are better off donating to your own rainy day fund. If something goes wrong, what you've saved up might not cover the cost, but it will help. If nothing goes wrong, its part of a down payment on the next vehicle.

Trust me, there is only one beneficiary when it comes to service contracts, and it isn't you.

just my humble opinion
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Old 09-13-2017, 04:45 PM   #12
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you are better off donating to your own rainy day fund. If something goes wrong, what you've saved up might not cover the cost, but it will help. If nothing goes wrong, its part of a down payment on the next vehicle.

Trust me, there is only one beneficiary when it comes to service contracts, and it isn't you.

just my humble opinion
I hear you. And I have certainly enough money to cover anything that could go wrong.. and it loves being in my vanguard account...
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Old 09-15-2017, 07:43 PM   #13
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How many miles do you have on your 3500? I bought the factory extended plan before my warranty ran out. Paid about $2000 for it. I just got a recall notice the other day to have my def system(in the exhaust) replaced. Cost of the system is about $3000, so I'm $1000 ahead. Btw, that would have been my FOURTH.
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Old 09-16-2017, 06:39 AM   #14
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I bought the factory extended plan before my warranty ran out. Paid about $2000 for it. I just got a recall notice the other day to have my def system(in the exhaust) replaced. Cost of the system is about $3000, so I'm $1000 ahead. Btw, that would have been my FOURTH.
I think that you will find that recalls are free for everyone, no warranty required. You need a mechanical failure to justify the $2,000.
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