CarShield Reviews

( 39 reviews )

CarShield is a company offering a range of vehicle service protection plans, stating they are one of the most popular extended car warranty companies doing business since 2005.

The company claims to protect its customers from costly auto repairs, no matter how new or old the vehicle is.  They have service plans designed for every stage of automobile ownership.

Below we take a look at their coverage options and help you answer some popular questions, most importantly whether this service is worth it or not.

How Does CarShield Work?

CarShield offers a simple and personalized experience to receive protection for your automobile.

First, potential customers request a free quote, personalizing the information to their vehicle.  Doing so allows for an accurate quote.

Next you and CarShield will work on developing a personalized plan that will realistically fit your budget and lifestyle.

Once you're enrolled you can reach out to their claims department in case of any mechanical issues with your vehicle, including emergency breakdown.

If the issue is covered by your plan, CarShield will pay the mechanic directly and you’ll be responsible for the deductible and any overage charges.

This business model provides protection for customers when their vehicle is past the coverage terms of their existing warranty,  or for those who've decided to prepare for worst case scenarios with an older high mileage vehicle.

This sounds simple enough, but potential customers should be aware that CarShield plans come with a variety of important caveats.

Almost all online complaints about CarShield come from customers who never fully read their service contracts and are disappointed to find that an expensive car repair bill is denied by CarShield.

CarShield Plans and Coverage

CarShield plans include a variety of services, including 24/7 roadside assistance, choice of mechanic for repairs, courtesy towing, and rental car eligibility.

Unlike a dealer purchased car warranty, CarShield offers you a vehicle service contract.  The main difference being that a 3rd party (called an obligator), such American Auto Shield, administers your protection plan.

This allows CarShield to offer 6 different protection plans with a variety of options, and allows for repairs to be made at any dealership or repair facility certified by the National Institute for Automotive Service Excellence (ASE).

If you want the highest level of coverage the Diamond Plan will cover the following items:

  • Engine
  • Transmission
  • Drive axle(s)
  • Transfer case
  • Air conditioner
  • Fuel delivery system
  • Fuel pump
  • Starter
  • Alternator
  • Power windows
  • Water pump
  • Fuel injectors
  • Steering
  • Suspension
  • Brakes
  • Electrical system
  • Instrument cluster
  • GPS
  • Factory audio
  • Radiator
  • Wiring harness

The lower priced plans cover fewer items allowing you to select the level of coverage vs price you want.

In your contract you will also have a detailed breakdown of what CarShield does not cover.  This includes, but is not limited to:

  • Sheet metal
  • Hoses
  • Trim
  • Weatherstripping
  • Lighting
  • Spark plugs and wires
  • External nuts, bolts, or fasteners
  • Parts that have been modified or altered
  • Wear-and-tear components such as brake pads and air filters
  • Damage caused by acts of nature, collision, vandalism, or lack of proper maintenance
  • Auto repairs that have been made without pre-authorization from a CarShield claims representative
  • Misuses such as racing or off-road driving
  • Tampering with the odometer
  • Pre-existing mechanical issues
  • Damage from a non-covered part

It’s important to truly understand the potential implication of some of these exclusions.  

For instance, one online review that we found detailed a situation where repair of a covered part was denied because it was deemed it failed due to a fault in the external fasteners.

Extra Benefits:

If a qualified repair is quoted for more than 4 hours of labor, CarShield will offer up to $40 per day for a rental vehicle.

*Additional Notes of Importance*

If you’re thinking of signing up for CarShield to deal with impending repairs, be aware that the company has a 20-day/500-mile waiting period, along with the aforementioned clause against covering pre-existing issues.

When it comes to the actual repairs, they state that part replacement may include new, used or remanufactured parts of like kind and quality.

Cost and Price Plans

To get the true cost of your plan you have to go through the full process of getting a quote.  However, on average, the cost of a plan is between $99.99 and $129.99 per month.

The obvious key variables will be the plan you choose, vehicle make and model, and mileage.

In general, Car Shield offers competitive prices when compared to other popular extended warranty companies on the market.

Customer Service

If you have a more general question or comment, you are able to leave a message on their website’s contact page. All you have to do is leave your email, phone number and name.

If you are ready to get a quote you can call 800-277-7170.

For more specific issues, questions or concerns relating to customer service, they have specific numbers for different services you may be needing.

1-800-380-2165 for United Car Care
1-800-531-1925 for American Auto Shield
1-800-492-6762 for INDS
1- 866-222-7869 for Roadside Assistance

CarShield Customer Reviews & Complaints

Positive Reviews

We found a range of customer experiences with CarShield from online customer reviews.

There are many positive reviews with customers stating that the company is dependable and allows them to feel that their vehicle is being properly protected.

From needing towing to mechanical breakdowns, some people have found that CarShield is able to cover a variety of claims for them, ranging from serious to less serious.

Customers cite that CarShield offer plans that many other companies do not - from service plans on older cars, to extremely flexible price options. 

They also get decent marks for customer service and people seem very pleased with the service when everything goes right.

Negative Reviews

On the other hand there are a lot of complaints and customer service horror stories detailed in many angry reviews.

In general most of the bad reviews come from instances where customers were unexpectedly denied coverage, were not happy with their reimbursement totals, or their mechanics had difficulties obtaining payment from CarShield.

The company has an F rating with the BBB and, on that platform, they have a rating of 1.4/5 stars from an average of 1,421 customer reviews.

From reading those negative reviews you can see instances where using CarShield can be frustrating and not seem worth it.

Many complaints pertaining to serious high dollar repairs described a difficult process full of bureaucratic pitfalls.

In some cases claims adjusters will require detailed maintenance records & receipts for your vehicle in an attempt to prove pre-existing conditions or blame the breakdown on a lack of routine maintenance.

Further some unhappy customers found that CarShield doesn’t distinguish the difference whether the lack of routine car maintenance comes from the vehicle's current owner or previous owner.

Other people had issues with the fact that the rental car they were getting was not covered for enough time.

One important detail to keep in mind is that the company relies on a “nationally recognized labor guide” to determine repair rates.  If your mechanic’s rates and labor hours quoted are above that, you will have to pay the price difference yourself.

Another issue that customers raised is that some mechanics refuse to work with CarShield, precisely due to some of these additional issues they encounter when trying to collect payment.

On a positive note, it does appear that CarShield has an active customer service team that replies to online complaints, albeit not always with what customers want to hear.

CarShield Alternatives

While what CarShield is doing is different from many companies that protect vehicles, they do have competitors as well.

CarShield vs. Endurance Warranty - Endurance Warranty is another popular choice for vehicle protection by American citizens. It, for the most part, has very similar offers to CarShield.

However, it specifically specializes in extending warranties on cars, as the name suggests.  When comparing CarShield vs Endurance Auto Warranty, the latter has been in business since 1988, making it more experienced than CarShield.

That being said, Endurance Warranty seems to offer less personalized or flexible plans.  Another alternative that you may want to consider for vehicle protection is Toco Auto Warranty.  It runs, again, pretty similarly to CarShield.

CarShield vs. Toco Warranty - Toco allows you to bring your vehicle to any repair shop of choice to fix it in case of mechanical issues and promises that you will not need to make any down payments.

It would seem the main difference is that Toco Warranty seems to offer more varying plans, which will cover less or more of your vehicle.

CarShield vs. Liberty Auto Warranty - This company has been protecting vehicles for over 40 years and offers extremely flexible prices, along with 6 months without payments.

However, their plans seem to be less personalized to your specific case and vehicle than CarShield’s.  All of these options run somewhat similarly, with minor differences here and there.

It would be best to request a free quote from the different companies and get a feel for their style of customer service before you choose one.

Is CarShield Worth It?

Buying a used car can be a risky endeavor and people want assurances that their investment will be protected.  CarShield provides those assurances, but keep in mind that they are a for-profit business.

Their service contract is designed in a way where they will put the burden of proof on the customer and their mechanic to show that costly repairs are due to mechanical failures and not due to neglect.

If you’re confident that you can clear those hurdles, then one of their extended warranties may be a good bet on a high mileage vehicle.

It will also help to thoroughly read the CarShield service contract and ask as many questions of the sales rep as possible to ensure that you understand all of the terms and conditions of the service.

If you have any experience with CarShield or their services, please leave your reviews below.

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CarShield Customer Reviews

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Car shield is a scam!
August 3, 2022

I have a contract with car shield to repair my air conditioning on my 2011 Ford Flex. Car shield refused to pay for a part that went to my air conditioner and I had to pay $200 for repairs.

I immediately cancelled my car shield contract because I was told I would not be reimbursed for the monthly installments that I paid. Carshield is a big scam and you have actors lying for you.

And that Ice-T dude is a big fraud too. I will put this on every avenue available to me to show that car shield is a big scam.

Transfers are not allowed without another down payment
July 25, 2022

The company is not upfront. They stated that you can transfer another vehicle to your policy without buying a new policy. That is completely FALSE!!!

Don’t buy
July 16, 2022

This is the worst warranty company in the world. Worst experience ever. Don’t buy the protection plan. They are shady people. They first say they cover then they have you wait for the longest time.

My car has been in the shop for 1 1/2 months and no call back or Status. My car broke down within the recommended period and they said they were going to cover, it is just a tactic to have you wait.

Then they ask for all documents. We provided everything then they ask for the car title. We send title and we even did an additional inspection to make sure it was in good standing before buying it.

It all checked out, we bought, now they keep ignoring and putting us aside. Hold and don’t want to cover. All checked out and they don’t want to help.

Don’t buy this worthless, unprofessional service. They suck, plain suck in every aspect. If you want to get ripped off then buy.

Don’t buy unless you want to get ripped off. Shady, shady and shady.

Horrible Experience! It is a ripoff!
July 15, 2022

BUYER BEWARE!!!! I gave this company a chance despite their reviews. But, I would like to tell anyone who is considering this vehicle warranty company to run as fast as you can!

They act like you can take your vehicle to any repair shop, but you just need to give them a call first before making the repairs.

None of our normal reputable repair shops would EVEN work with CarShield because they said they never want to pay and if they do, they can't get their money out of them. The one we finally found, said they had worked with them several times, but only to find out they normally decline to pay for some reason or another.

Our vehicle is a very nice 2014 High Country Chevrolet that still looks and smells like new. We take very good care of our vehicles. But, after about 4 weeks of dealing with Car Shield and my husband having to find alternative ways to work, "their" adjuster rejected the repair bid and said it was a previous problem.

And because they took so long, I was out 2 months of monthly charges of $89 each month that they would not reimburse. It was NOT our fault they took so long. I would have cancelled way sooner if I had.

Wanted my credit card before they would give me a quote.
July 15, 2022
This happened a few years ago. I contacted Car Shield about getting a free quote. The gentleman on the phone got all my car info then asked for my credit card. I said give me a quote first. He said he needed my card before he could give me a quote. I said I need a quote and if it fits in my budget then I'll give you my card. He said that's not how they do it. I hung up. I felt like this was a scam to get my credit card info.

Look for a more reliable and reputable company!
July 14, 2022

They didn't cover my air conditioning unit. The compression system went out and it wasn't covered. I guess after putting in thousands of dollars into this company, and when I need them the most, it isn't covered. I guess if my engine goes or if my transmission blows, Hmmmm, makes me wonder it that's covered. I'm considering dropping this company and check into a more reputable company. I can't even give this company a rating.

Too afraid to offend? Hogwash
July 11, 2022

I can't believe you put a political spot on your commercial! The woman with the blonde hair, red dress, is too political. What has "if you are too afraid to offend" have to do with car insurance. Stupid. I will never buy Car Shield.

Will not make payments
July 6, 2022

Beware had cooling issues with my car, car shield would not do complete repair to warranty new compressor did not cover replacement freon. $2,100,00 job, car shield only covered $500. They did help but not what they say.

Mechanic had 3 other carshields in shop at same time with transmission. Carshield had mechanic remove and disassemble transmission and it took two weeks before they sent an agent out to inspect. Inspection uncovered a couple bearings and did not pay for reassembly and installation.

You tell me, take an automatic transmission apart and not rebuild bands...

They fear monger on our television, ignore them completely
June 24, 2022

Put a little savings account together. Put what you would give to car shield as a premium away as a savings account. That’s the smart way to protect yourself. Don’t give these crooks any money.

when you put in a claim, they won't even call you
June 9, 2022
car shield is the worst company ive ever delt went had a problem with my ford f-150 they instructed me take it to a shop that i like to it to ford soon as i told the service rep that i had car shield he started shaking his head said they are the worst my truck sat in the shop for 2 months with not 1 phone call from them they denied claim and i had to pay for rent a car and the diagnoses horrible please dont buy!!!!!!

Honoring what's written in black and white!!
June 8, 2022
There is not a rating low enough to rate my experience with this Company. CarShield is a joke and a scam. I've been paying them for a year and when I needed them, I was told "that service is not covered". I hope this company crash and burn because of their lies!!!! How can you take people's hard earned money and never deliver on what's written in the contract. ALL LIES

What a scam to take your money
May 13, 2022

CarShield is a dishonest company! Every excuse under the sun not to pay a claim. With all the tear downs and extra fees it would have cost me over a thousand dollars more to get my van fixed. I just paid to fix my van myself and canceled the policy.

They will jerk you around costing you more money and deny the claim in the end. DON'T buy this! Just another scam, the actors on TV should be ashamed to be apart of this, how do they sleep at night?

Lisam King June 01, 2022

Very honest. I've had trouble since day 1 and still no repairs. It is a SCAM.

Ridiculous cost compared to a Credit Union or dealer
April 27, 2022
Quote was outrageously HIGH! Check with your local Credit Union or dealership for a much better price and comparable or better coverage, Their quote was double the quotes I received elsewhere with a $0 deductible!

Don't go with this company
April 21, 2022

Car Shield is the biggest scam that has ever happened to me in my life, and i'm sixty six years you old. a military vet as well. Did they care, "NO".

My daughter was finishing high school, and I wanted to get her a car for her graduation. Mind you the car was not new, but she had her a car of her own. She was traveling to Texas, we live in Florida, and on her way back from Texas her motor blew as she was on her way back home to fl.

I called car shield, and they did noting to help her. She had to pay for her own tow truck to a repair shop. Car shield only paid $300 plus for an engine. No labor fees.

After almost a year we paid to have my daughters car repaired which came out to over $5,000.00 to get her car returned to her. No help from car shield at all.

This is a long story but true. do not trust these people. It's all a con.

Representatives are typical salesman, too pushy.
April 16, 2022

I requested a quote from CarShield and in less than 5 minutes I received a call. The representative took my information on my vehicle told me which plan and then proceeded to push me and push me to sign up immediately when I repeatedly told him I would like to think about this.

He would not take no for an answer and started getting into my personal life like he knew my budget and what I can afford. I told him I am no longer interested in this service because you are too pushy and I hung up.

Carshield failed me when I needed them most.
April 9, 2022

Carshield failed me when I needed them most.

I signed up with Carshield about two years ago. Now I have my first and only claim and Carshield would not pay for the repairs ($3500) for rear bearings, muffler and exhaust pipe. This is a big expense for me and this is the reason for Carshield warranty. But I guess they got my money I got nothing when I needed them most. I cancelled the policy and got a better warranty provider for the same cost.

Bum's Rush on Quote Calls
April 8, 2022

I have called for quotes twice. The first time was for my Spark EV. Started getting The Bum's Rush routine. No matter what I said, I was being pushed to sign up immediately. I tried a second time for another car also an EV hoping that the first one was a fluke. Sadly No, different person but same Bum's Rush to sign up. I hung up.

Ronbonham April 16, 2022

That is exactly what the representative tried to do to me. Now I won't even consider Car Shield. I read there are better alternative out there.

DonA May 27, 2022

Stay away from Car DShield. Consider putting the monthly payment into a separate account and use that money for car repairs. $125/mo adds up quickly. After a year, you have $1,500 toward any repairs. Car ownership is expensive the way it is. Routine maintenance is required to keep your car in good shape. This covers your wear and tear that is not covered by these plans. It sounds like their tactics are scam oriented. An F rating from the BBB tells the whole story. Stay away and save your money.

Car sheild makes promises to pay for pre authorized work, but DOES NOT.
March 25, 2022

There is not an option for reviewing car shield that is low enough. First of all, they falsely advertise on their website, Auto shops that have NEVER accepted their policies. They are slow to pay for services that they HAVE ALREADY APPROVED.

They are ALWAYS undercutting the auto shops, leaving mechanics and owners without payment and their own customers with vehicles they cannot have returned to them because of Carshield's non payment.

If you have this, cancel it. It you are thinking about getting car shield---DON'T

Horrible Company
February 12, 2022

I'm very disappointed with CarShield. Not only with the customer service but also with the management and execution of the contract and covered service.

My daughter contacted Carshield to enter a claim for repair on her 2014 Mazda and form the outset she had problems with our policy.

First the reps could not find our account/policy and suggested we didn't have one, but yet they find a way to withdraw the payment each month. Then after the dealership assess the car and determined that the radiator fluid overflow/expansion tank caused the problem and needed to be replaced.

Carshield determined that it was not covered and denied the claim. I disagree, our contract clearly shows that our cooling system components are covered and last I check the overflow/expansion tank is an important component of the car's cooling system.

Carshield let my family down on our first claim and when we needed them most. I have totally lost confidence in CarShield and frankly would not recommend them to anyone going forward.

They steal money from seniors.
January 18, 2022
Total misrepresentation on warranty coverage.