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Old 11-07-2012, 06:54 PM   #1 (permalink)
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Default 3rd Party warrantee?

Is there such thing as a good 3rd-party warranty?

I have a 2005 Outback XT w/~103K miles. It runs great, but based on their reputation I think I'd feel better with an insurance policy.

I've found a few companies, but it's hard to tell if they're really any good.
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Old 11-07-2012, 07:13 PM   #2 (permalink)
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Is there such thing as a good 3rd-party warranty?
No. HPH
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Old 11-08-2012, 09:33 PM   #3 (permalink)
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I got one through my Credit Union from Mercury Insurance Group. They have been great!! My biggest problem has been mechanics who act like I am asking for their left arm when I tell them I have a warranty. The warranty won't do any good if the mechanic refuses to call the warranty company, and you get screwed if they don't because you will have to pay for the repairs yourself. One way to head that off is if you take the car in, call the Warranty company yourself and hand the phone to the retard mechanic and make him work for his money. Your car can have absolutley no after market mods...ZERO, not even a K&N filter, I wouldn't even get a new stereo installed. You also have to maintain your car ABSOLUTELY PERFECTLY AND KEEP EVERY RECEIPT. No warranty company will EVER forgive missed maintenance and your warranty will become useless the minute you skip something for even one mile until you get that maintenance done... so if you skip oil changes and do the "oh I can wait" thing with coolant, transmission, differentials etc. then don't bother with a warranty, just get a new car.
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Old 11-09-2012, 01:34 AM   #4 (permalink)
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no. you can probably google it for a broader scope of experiences/feedback.

3rd party warranty's get little return on the investment but are still a good fit for some people as noted in the differing replies.

over the ownership of multiple cars the owner is loosing - the insurance company has to make money. where new car warranty coverage not following through or working out is almost unheard of - that's not the case with 3rd party warranties. smart purchases, maintenance, and repairs win out over insurance if you have that capacity. if not, the warranty might be a good fit.

if you're a risk-averse or hands-off type or can't handle problems, then you might like the feeling of having it and some of the services rendered.
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Old 11-09-2012, 07:19 AM   #5 (permalink)
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Nope! Best warranty (and the cheapest) is from Subaru through Mastria Subaru in the Northeast! You can purchase the Subaru warranty (cheaper) from any dealer - not just from your selling dealer. And it's refundable, if you sell your car before expiration - in my case 100 K miles....
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Old 11-09-2012, 01:11 PM   #6 (permalink)
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no. you can probably google it for a broader scope of experiences/feedback.

3rd party warranty's get little return on the investment but are still a good fit for some people as noted in the differing replies.

over the ownership of multiple cars the owner is loosing - the insurance company has to make money. where new car warranty coverage not following through or working out is almost unheard of - that's not the case with 3rd party warranties. smart purchases, maintenance, and repairs win out over insurance if you have that capacity. if not, the warranty might be a good fit.

if you're a risk-averse or hands-off type or can't handle problems, then you might like the feeling of having it and some of the services rendered.

I got lucky, my warranty has already paid for itself, but my car is a piece of junk. It has paid for itself in 10 months.... and I would be in bankruptcy right now if I hadn't gotten one...just saying.
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Old 11-09-2012, 01:13 PM   #7 (permalink)
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Nope! Best warranty (and the cheapest) is from Subaru through Mastria Subaru in the Northeast! You can purchase the Subaru warranty (cheaper) from any dealer - not just from your selling dealer. And it's refundable, if you sell your car before expiration - in my case 100 K miles....
So, was the extended warranty worth it?
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Old 11-09-2012, 02:00 PM   #8 (permalink)
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So, was the extended warranty worth it?
No and yes.... because I sold the car before I hit 100K - but, it was a piece of mind and I did get the refund for unused portion... so, the answer is "yes" and "no" ...
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Old 11-12-2012, 12:39 AM   #9 (permalink)
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I was thinking along the lines of "major medical" or catastrophe coverage.

Basically if the turbo were to take out the whole motor.

I used to drive a 1999 Land Rover Discovery Series I. Seemed like every time it was in the shop it cost $1k.

I can pay for regular maintenance. It's just if it costs more to fix than the car is worth, I'd be inclined to let it go.
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Old 11-12-2012, 01:18 AM   #10 (permalink)
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Never seen a 3rd party warranty that looked any good, so I never bought one.

From what I've read, most of them seem to find a way to limit their payout to a bit less than you've paid them at the time of your first claim, and they drag it out a few months in the hopes that you will just go away. Might as well just put the same money in a savings account instead, at least you can earn a few nickels on it.

Unless you have some reason to suspect trouble, I say just enjoy the car. From your other posts it seems like you've checked stuff pretty well and you're capable of proper maintenance.

Again, if you're specifically worried about the turbo, pay someone who knows turbos to drop that downpipe and check it for radial play. Nothing can give you more confidence than an accurate assessment of that measurement.
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