Best Extended Auto Warranty Companies in Missoula, MT
Jan. 24, 2020, 1:18 a.m.
Just because your car’s original warranty ended doesn’t mean you have to be without coverage. An extended car warranty helps offset expenses for repairs. Our partners at We researched the best extended auto warranty in Missoula so you have protection for your car and wallet.
Missoula is a beautiful, small city, but it’s full of hazards for your car, including potholes that can ruin suspensions and winter conditions that cause breakdowns.
An extended auto warranty helps pay for repairs for your car after the manufacturer’s warranty expires. When you have an extended auto warranty and your vehicle needs repair, you take it to any authorized shop or dealership and pay a deductible and the rest is covered.
Extended auto warranties cover all makes and models of vehicles, even those 10 years old or with over 100,000 miles. You can purchase an extended auto warranty in Missoula at any point during vehicle ownership, either from a dealership or an extended auto warranty company. Vehicle service contracts last one year or longer or cover your vehicle up to a certain number of miles.
What does an extended auto warranty cover?
Extended auto warranty companies offer plans with different levels of coverage. Extended auto warranties in Missoula may cover:
Gaskets and seals
Wear and tear
Extended auto warranties in Missoula often include extras like 24/7 roadside assistance, fuel delivery, towing services, trip interruption service and rental car coverage.
Keep in mind that an extended auto warranty is different from car insurance in Missoula, which residents are required to have if they own a car. Extended auto warranties cover mechanical breakdowns. Car insurance covers repairs to a vehicle damaged in a collision or damaged by a natural disaster or loss due to theft.
How much does an extended warranty cost in Missoula?
An extended auto warranty costs $1,000 to $4,000. Extended auto warranty companies in Missoula offer monthly payment plans, and extended warranty cost in Missoula depends on multiple factors, including your:
Level of coverage
Type of vehicle
Age of vehicle
Mileage of vehicle
Are extended car warranties worth it?
To decide whether an extended auto warranty is worth it, you’ll need to consider the pros and cons.
Extended auto warranty pros
Extended auto warranty cons
Low out-of-pocket costs for repairs
Not all repairs are covered
Perks including 24/7 roadside assistance and rental car benefits
Deductible toward claims
Use any authorized repair facility and get claims paid directly there
Waiting period before coverage takes effect
May go unused
Contracts can be expensive
How to choose an extended auto warranty
When choosing an extended auto warranty in Missoula, look for a company that will protect your make and model of vehicle with the level of coverage you want. Read over a contract carefully, including the fine print, so you know about exclusions and limitations.
Don’t sign up for an extended auto warranty before you understand:
Coverage: What’s covered and what’s not covered? Do you know when coverage takes effect and how long it lasts?
Cost: How much is the contract? Can you make monthly payments? What is your deductible?
Claims: How do you make a claim? Can you make a claim 24/7?
Where you can take your vehicle: Is there a network of repair facilities you’re allowed to visit, or can you take your car to any shop?
Benefits: Is there roadside assistance, rental car coverage, towing and other service in case your car breaks down?
Company reputation How do customers rate the extended auto warranty company and its claims process? Does the company insure its contracts? Can you transfer coverage when you sell your car?
Endurance is a direct, insurance-backed provider of five different extended auto warranty plans, including exclusionary coverage similar to a manufacturer’s warranty and a plan for high-mileage vehicles. Customers have a 30-day, unconditional, money-back guarantee. Every contract comes with roadside assistance, key fob replacement and tire coverage. Customers like being able to use any licensed, authorized repair facility nationwide and Endurance’s upfront claims payment.
CARCHEX is one of the largest online providers of extended auto warranty plans. Customers can customize coverage, choose any licensed repair facility and transfer a plan to a new owner. Plans come with a 30-day, money-back guarantee. Reviewers appreciate that CARCHEX pays claims directly to the repair facility and praise the company’s customer service.
CarShield has covered over 750,000 vehicles and paid out over $1 billion in claims since 2005. The company has plans for all budgets and vehicles, which include your choice of mechanic, 24/7 roadside assistance, courtesy towing and flexible payment terms. Most contracts are transferable. Customers like CarShield’s variety of plans and are highly satisfied with the company’s claims process.
Infinite Auto Protection’s three extended auto warranty coverage options come with roadside assistance, rental car coverage, low monthly payments and the ability to take your vehicle to any dealership or certified repair shop. Customers can file a claim 24/7 using its simple claims procedure. Reviews are mainly positive, with comments about low prices and friendly, professional representatives.