EasyCare is a part of the Automobile Protection Corporation and traces its origins back to 1984. In the over 30 years since its inception, EasyCare has garnered a positive reputation for its car warranty products. It is Better Business Bureau accredited and holds an A+ rating, something that not many extended car warranty companies can claim.
EasyCare offers four extended car warranty plans. The PowerCare plan is the most basic offering followed by PrimaryCare, StatedCare, and TotalCare. Each has an increasing number of systems and parts that are covered. There are additional coverage plans for light and medium duty trucks used for commercial purposes, GAP insurance, and ridesharing, all of which are available for purchase separately from the four basic extended warranty plans.
Here’s how the EasyCare coverage breaks down for the 10 most expensive car repairs.
(*) Brakes does not include: Pads, Rotors, Shoes and Drums
NOTE: Our number one piece of advice before you decide to buy a vehicle service contract is to READ THE CONTRACT. Normally, we’d reserve this space to link to sample contracts for all of a third party warranty provider’s contracts, but there are none to be found on the EasyCare website. If you’re considering one of these plans, YOU NEED A SAMPLE CONTRACT to review before you sign. It’s the only way to learn exactly what’s covered.
The PowerCare plan is the base plan from EasyCare and covers the fewest vehicle systems. They’re the key systems, however, so it’s a good place to start if you’re on a tight budget and can’t afford a premium plan.
Automatic Transmission/Transfer Case
Drive Axle (Front/Rear)
Seals and Gaskets
Taxes and Fluids
This plan covers everything in the PowerCare plan with additional coverage for air conditioning, heating, fuel system, cooling system, and braking system components. It adds the following components:
This plan includes everything in the StatedCare plan with the addition of suspension, steering, electrical system. and high tech/convenience group coverage. It adds the following components:
This is the top plan from EasyCare and it includes extensive coverage. It not only adds new systems to the list, it adds additional component coverage to systems that are only partially covered in prior plans. The additional coverage offered in this plan includes:
High Tech/Convenience Group
There is also a small list of items that are specifically not included in the TotalCare plan. These include:
Like many extended car warranty companies, getting a quote can be a bit of a challenge. There is no way to get an EasyCare quote online. Instead, you have to call your local participating dealership. We received the following quotes, but know you may get different figures based on where you live, your car, and the terms of your warranty.
Also, note that your monthly payment can be rolled right in with your car payment if you add an EasyCare warranty when you purchase your car at a participating dealership. This can make budgeting easier, but you’ll be paying interest on the amount so it’ll cost a bit more in the end.
|Vehicle*||Plan Name||Term||Monthly Payment||Deductible|
(*) Sample cars were for 100k miles and 7 years old. 2014 models.
Filing a claim is simple. Take your car to any licensed repair facility and they will call EasyCare before making any repairs to confirm coverage. You pay the deductible and EasyCare pays the shop directly for approved repairs. If any non-covered repairs are made, you will be responsible for the cost so make sure you know what is and isn’t covered before you authorize the work.
There’s a good chance you’ll be able to get an EasyCare warranty for your car through a participating dealership, but there are exceptions.
No prior authorization: You need to get the work approved by EasyCare before the repairs are completed. Failing to do so could result in a denial of your claim.
Neglecting scheduled maintenance: If you don’t perform scheduled maintenance and it’s deemed the reason for needing a repair, then they could deny your claim. Keep up on maintenance and hold on to your receipts.
Parts not covered: There is an extensive breakdown of exactly what parts are covered by each warranty. Parts that aren’t covered can result in a denied claim.
“Excellent service, we wouldn't go without this coverage! We have had a couple of costly repairs and this has paid for itself.” - Wendy M. ConsumersAdvocate
“...About 140k miles in my transmission started acting up. I took it in and they gave me a loaner. In a little over a week, my Subaru got a brand new transmission, saving me $6,500! Needless to say, I'm a huge believer in extended warranties and EasyCare and will get it again…” - Juan D., ConsumersAdvocate
“All was great once a good mechanic diagnosed the problem...” - tipperinky, ConsumersAdvocate
“They are your typical warranty company, make all the promises to get you to buy their product. Then when you actually have an issue and go to get them to cover it they reply with "Oh, that's not covered under the warranty". - Will W., Better Business Bureau
“They are very unprofessional to deal with on the customer side as well as the dealership service side. They won't approve a claim without an "inspection", in which they look for anyway to deny your claim.” - Cyndismith181, ConsumersAdvocate
Deciding whether or not to purchase an extended warranty depends on you, your car, and your comfort level with paying for repairs. If worrying about a big repair bill keeps you up at night and you’d rather budget the cost of an extended warranty, then it’s a good idea.
An extended warranty is also a good idea if you bought a car that isn’t terribly reliable. You may love it, but if it’s known for having all kinds of problems, then a warranty could save you money in the long run.
While you can save money on expensive repairs, there’s also the chance those repairs may never even be needed. New cars are covered by lengthy manufacturer’s warranties, often past the time when you’ll keep your car. If you don’t plan on keeping your car past the original warranty period, then an extended warranty isn’t going to save you money.
Be suspicious of cold calls offering an extended car warranty of any kind. These are almost always scams. It’s best to do some research and choose a provider with a good reputation.
Yes. EasyCare is accredited with the Better Business Bureau where it has an A+ rating and has been around for over 30 years.
Exact coverage depends on your car, where you live, and your warranty terms. On the low side you’ll spend $1000 a year, but it could be thousands more if you go all out.
All you need to do is take your car to an ASE Certified mechanic. They call for approval and EasyCare pays them for the repairs. You’re responsible for any deductible and non-covered parts.
Yes, you can cancel your warranty and you will receive a prorated refund.
An extended car warranty can save thousands on repairs, but it’s a guessing game. If you use the warranty, then it’s worth it, but if the repairs never materialize, then you won’t get your money’s worth.
Yes. You can receive a prorated refund for unused time still left on your warranty. Alternately, you can transfer your warranty to the new owner.
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