I've been getting some solid info about pricing extended warranties through this forum, but I'm still not clear on one manner.

Price aside, what are the differences between the warranty providers? I've been researching warranties from my local Acura dealer, hondaacuraworld.com, and curryacuracare.com. Can anyone help explain the difference if they all claim to have the same coverage? It is a pain to submit claims if you don't have a warranty through your local dealer? Is the claim process easier one way or another?

 

once main difference that stood out to me were the deductible amounts
for example, for a 4 yr 48k warranty for $2900, there was a $100 dudectible. but for a 4 yr 50k for $1800, there was a $50 deductible.
one thing you need to know is that acura jacks up the prices just because they are acura, and they have acura care. but the thing is even if you buy from honda, you get a lower price, and the same care. the same goes for the internet ones, but you need to be under 50k miles in order to purchase most because it is for an extended warranty

as for making a claim, the dealer you go to verifies you have a warranty through the dealer you bought it, and once you are verified, you are put in the system as under warranty bumper to bumper for xxxxxx miles with xx deductible so the next time you go, its as if you have the warranty from them

 

You want to make sure the warranty company pays Acura and not you. Many people have paid out of pocket for a repair the warranty company said it would reimburse for and they have not followed through with payment.

IMHO.. b/c I have had a terrible experience myself.. Don't get any warranty other than America Honda's Ext. Warranty. If you're not able to qualify then the second bet would be Fidelity.

Concerning the deductible some companies charge a deductible per repair. So if your car is in the shop for a whole slew of things, some companies charge per job so you could still be out of pocket $500 or more. A couple other biggies.. make sure they don't push used parts or non-OE parts and be clear that the hourly rate they will pay for is not limited. Many only pay around $50 - $60 /hr and the market price for labor is around $100+.

but again.. I would only go for American-Honda's Ext. Warranty. Push the dealer to give you a quote.

 

Somebody left a comment but I guess they deleted it. This is the company I previously mentioned. I reiterate that I wouldn't get anything but American Honda.. but if you really are interested in getting something if the AH Warranty isn't available then Fidelity is the only company I've heard that actually pays out.



http://fidelitywarrantyservices.com/

http://www.consumeraffairs.com/auto_warranty/fidelity.html



There are three things you need to know before buying a warranty.

1. You need to be an asshole to the adjuster.. Most people once told "no" take it and leave it, maybe bitch a little. You need to be prepared to go to war with some of these people! They're hoping you don't fight and banking on it.
2. Maintain your car! that means every service item (oil, trans fluid, brakes, etc..) get it done on time! They look for an excuse to screw you over.. you drove 8,000 miles before you changed your oil.. sorry..
3. Maintenance items don't count so if you're buying a warranty thinking they'll fix anything / everything.. you're dead wrong.. they don't start consider covering anything before your struts.. They'll find a way / reason to deny.. this is where you go back to rule 1. I'd only get the basic policy which covers the powertrain & A/C.

Caveat Emptor!