CarChex Car Insurance Review [2020]

CarChex car warranties cover breakdowns in your car from mechanical failure and wear-and-tear. CarChex has an A+ rating from the BBB for superior customer service.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 8, 2021

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Company Details
Address: 118 Shawan Road, Suite 210
City: Baltimore
State: MD
ZIP Code: 21030
Phone Number: 877-227-2439
Year Founded: 1999
Company Rating 0 (0 reviews)

Here's what you need to know...

  • A warranty is provided by car manufacturers to cover unexpected car repairs
  • Some companies offer vehicle service contracts for repairs once the manufacturer’s warranty has expired
  • CarChex provides several different options for such vehicle service contracts

Extended warranties are somewhat of a misnomer because they are really just warranties without the extended part. A warranty is provided by car manufacturers to cover unexpected car repairs.

There are many benefits that come with having some form of extended warranty. Some companies offer vehicle service contracts which offer coverage for repairs once the manufacturer’s warranty has expired. If you’re in the market for extended car warranty companies, CarChex should make your list. CarChex provides several different options for such vehicle service contracts.

When you’re shopping around for extended warranty plans, you don’t want to focus on just who has the lowest prices. You should look at varying components of a company. What sort of coverage levels they offer, if they’ve been in the news at all, and what sort of customer service they provide. If you can get your hands on sample contracts, you’ll be able to see what goes into signing up for an extended warranty, in case it’s not what you’re looking for. As mentioned above, there’s usually no extended portion.

Take heed of any customer complaints and what a company is claiming as under extended warranty coverage. You don’t want your customer service experience to be soured by a false promise.

If you’re not looking for any sort of extended vehicle protection plans but rather an insurance company, use our FREE quote tool to compare rates today! There’s a difference, so be sure to note that when you’re shopping around.

What is there to know about CarChex?

CarChex has been in business for nearly two decades. They are accredited with the Better Business Bureau, and they have been endorsed by several different companies including Edmunds, and CARFAX.

CarChex prides itself on making its customers completely satisfied. CarChex makes dealing with their agents as easy as possible. They offer a free quote tool online, as well as an online chat option.

Or if you’d like to talk to an agent, you can call them at 877-227-2439. CarChex promises to do the research and will provide a comparison of protection plans to make it easier for the customer.

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What are CarChex’s service plans?

When a driver doesn’t want to be stuck with unexpected repair costs, one of the things that they can do is look into service plans. On its website, CarChex offers a comparison of their service plans with other company’s service plans. They offer five different plans.

Here is a short summary of their plans:

  • Titanium – The highest level of coverage that provides maximum coverage for any breakdowns.
  • Platinum – The highest level of specific coverage that includes most major vehicle systems.
  • Gold – Offers comprehensive coverage and flexible terms at affordable prices, good for cars with 60,000+ miles.
  • Silver – Provides coverage for the essential systems in your car; some exclusions apply.
  • Bronze – Basic coverage that is designed to repair most common and expensive breakdowns.

These plans may not cover all vehicles depending on the make and mileage as well as other possible restrictions. To find out the best plan for your vehicle, you can contact a CarChex Protection  Specialist.

CarChex also offers roadside assistance for their various plans.

Are there any reviews of CarChex?

CarChex has an A+ rating with the Better Business Bureau. They also have been given several different awards including:

  • Given the Golden Bridge Award for customer service for three consecutive years
  • Made it onto Selling Power’s 2017 Top 50 Companies to Sell list for the third year in a row
  • Placed 1,161 on Inc. Magazine’s 36th annual Inc. 5000
  • Rated as Baltimore Sun’s top workplace for six consecutive years

On Trustpilot, CarChex has a 4 out 5 star (Great) rating with over 1,000 customer reviews. A rating website, Top Ten Reviews, also gives CarChex an 8.73 out of 10 rating. When you’re in the market for an affordable plan or warranty, you need to pay attention to reviews from customers as well as from businesses. Customer satisfaction can shine a light on how a company actually operates. And if you don’t see too many positive reviews, you may want to look elsewhere. The good news is that CarChex seems to be a reputable company with a higher than average rating.

What can be said in conclusion?

CarChex is one of the oldest companies in the extended warranty/vehicle protection plan industry. They strive to satisfy all the needs of their customers, and they seem to be successful in that endeavor.

They offer different protection plans which are customized to fit the needs of customers, and they are also able to provide flexible payment plans for the different plans.

CarChex’s services are available in every state but they are not available in Mexico or Canada. They have several good reviews from a variety of different sources online.

If you are searching for any sort of extended warranty providers that would be able to add their service to your auto insurance policy, use our FREE quote tool to compare rates today!

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