Everything you need to know before buying a VSC — written by independent experts, not providers.
A vehicle service contract (VSC) — sometimes called an extended warranty — is a service agreement that covers the cost of certain repairs after your factory warranty expires. Unlike manufacturer warranties, VSCs are offered by third-party companies and can be purchased at any time.
The terms are often used interchangeably, but technically a "warranty" is only offered by manufacturers. A "vehicle service contract" is offered by a third party. Functionally, they work the same way — you pay a monthly or upfront fee, and covered repairs are paid by the provider.
Coverage depends on the plan level you choose. Most plans cover mechanical and electrical breakdowns. They do NOT cover routine maintenance, wear items, or pre-existing conditions.
Costs vary widely based on your vehicle's age, mileage, make, and the coverage level you choose. Most plans range from $80–$200/month or $1,500–$5,000 for a multi-year upfront payment.
Prices for the same coverage level can vary by 40–60% between providers. Always get at least 3 quotes before buying. Our tool makes this free and takes under 2 minutes.
Compare Quotes Free →Reputable providers never pressure you. If someone says "this offer expires in 10 minutes," walk away.
Always ask to see the full contract before buying. If they won't provide one, it's a red flag.
Good providers offer a 30-day money-back guarantee. Be wary of those that don't.
Very cheap plans often have high deductibles, limited coverage, or poor claims processing.