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Most people considered buying a car warranty at some point. Car warranties, also known as extended warranties, in essence, are insurance policies that cover the repair or replacement costs from some parts for your vehicle in case those parts break down during that warranty period of time. But is a comprehensive coverage car warranty worth it? 

Read carrefully the fine print of your comprehensive car warranty what it covers and what not

In this article, we'll take a closer look at what a comprehensive car warranty covers, the pros and cons of buying one, and how to decide if it's the right choice for you.

What is a comprehensive car warranty?

A comprehensive coverage car warranty -also known as bumper to bumper warranty- covers all parts of your car that have been bought it if these parts breakdown. However, comprhensive car warranty have a few exclusions such as normal wear and tear items like brakes, tires, and wiper blades.

Comprehensive car warrantey under our point of view is better because powertrain warranty only covers the engine, transmission, and drivertrain components. This car warranty will protect more parts of your vehicle, giving you more relief while driving your car.

How does a comprehensive coverage car warranty work?

This is like other subscription payments, you pay a premum to the warranty provider like Carshield, Endurance, PMC or Carchex, and they will cover your vehicle for a specific period of time or mileage. If any of the vehicle parts are broken, you can take your vehicle to an authorized body shop and the warranty provider your choose will pay the repair or replacement costs for you.

Note: some of those warranties and some warranty policies may be deductibles, service fees, or limits on warranty coverage. Just read carefully the fine print to know what it’s covered and what not.

Pros of buying a comprehensive coverage car warranty

1. Relief

The most importnat pro is you will feel relief knowing that comprehensive car warranty will cover most of your vehicle parts. Just imagine you bought a new car and for any reason the chip that is located on your engine breaks (I had that problem with my car, and that chip replacement was around $1,000 in 2016), you won’t have to pay the replacement.

2. Protection against unexpected damages in your car

Another advantage of a comprehensive coverage car warranty is that it will protect your wallet against unexpected repair costs. Imagine your engine for any reason breaks down. Just imagine it. A new engine replacemente is very expensive. So if you have this comprehensive car warranty, you won’t have to worry so much about all these replacement and repair bills out of your pocket.

3. Transferable to new owners

Some comprehensive coverage car warranties are transferable to new owners, which can be an added benefit if you decide to sell your car. A transferable warranty can make your car more attractive to potential buyers and may even increase its resale value.

Cons of buying a comprehensive coverage car warranty

1. Cost

Comprehesnvie car warranties are expensive, being honest, it costs a lot, The main problem of these warranties is its costs will increase overtime, everything depends on how old your car is, or the amount of drive miles your vehicle engine has.

2. May not cover all repairs

As we explained above, comrehensive car warranties won’t cover everything. Many car warranties have exclusions or limitations like you can only request 1 or 2 replacements per year or they can request you to use specific body shops. That may not seem to be a problem at all, but imagine that body shop is in the other side of the city you live. That will be a big problem to reach that body shop.

3. May not be necessary

Well, that’s a fact, you may not need comprehensive car warranties. It may not be necessary depending on how reliable your car is. If you bought a brand new car just like 1 or 2 months ago, your car will less likely to break down. In this case, the cost of the warranty may not be worth the added protection.

How to decide if a comprehensive coverage car warranty is worth it

You must consider several factors before buying comprehensive coverage car warranty:

1. Consider the cost of repairs without a warranty

If you know a trusted mechanic, you could ask that person the average repair or replacement costs, then you can compare if you need to buy comprehensive coverage car warranty or not. Compare these costs to the cost of the warranty to determine if it's worth it.

2. Evaluate the reliability of your car

If you bought a new car like 1 or 2 weeks ago, you know your car won’t break down, so you don’t really need a comprehensive coverage car warranty at all. However, if you have a 5 or 6 years old car, you know your car may begin to have several mechanical problems, so you should consider purchasing comprehensive coverage car warranty for your car.

3. Research the warranty provider

You can use websites like Better Business Bureau. This way you can see other customer’s complaints and how that warranty provider handled that complaint. You can always check in that website how good are them paying their customers their claims. That’s something really important to consider when purchasing comprehensive coverage car warranty.

4. Consider your personal financial situation

Well, that’s something obvious, if you can’t afford some extra expenses on your car, then don’t add it. No need to explain so much about this. If you see you can purchase comprehensive coverage car warranty, and it won’t affect on your personal financial situation, then go ahead and buy it.


Buying comprehensive coverage warranty depends on many factors you should consider.It’s fact, if you buy it for a new car that you bought it 2 months ago, this warranty won’t be worth for your vehicle. However, if you drive a 5 year old car or you drive many miles per year, then you should consider adding this car warranty.

Before buying any comprehensive coverage car warranty, you must do your own research on the internet, read other customer’s claims, check how good if your financial situation, and consider doing a balance between the repair costs with and without warranty. This way you will be able to know if a comprehensive coverage car warranty will be worth for you or not.

Other readers were also interested in the following posts:

What is another term for comprehensive coverage?

Comprehensive Coverage and Engine Failure: Expert Tips and Analysis

What are the 3 types of car insurance?

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