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Discussion Starter · #1 ·
Does anyone have any experience with these 2 products? The Geico coverage is 7 years / 100k miles baked in as a $30 premium per 6 months. Looking at the internet permiums do not go up significantly. Even if the average permium is up 20% total cost would be $462. It does have a $250 deductable per use and is independent from your insurance for reporting reasons.

$462 seems like good peice of mind vs $1000+ extended warranty the dealers are offering. What am I missing?

I would likely be locking myself to Geico with it; however they have been my provider for 18+ years and no one is close to them on price.
 

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Find out who will actually fulfill this.

Some mechanics refuse to deal with 3rd party warranties, so it's on you to pay the mechanic first and submit the claim yourself for reimbursement afterwards.

This next observation may be out of date, but my experience is that the best independent mechanics are also the ones least likely to accept such insurance. The hungrier guys put up with the paperwork.
 

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Discussion Starter · #3 ·
Find out who will actually fulfill this.

Some mechanics refuse to deal with 3rd party warranties, so it's on you to pay the mechanic first and submit the claim yourself for reimbursement afterwards.

This next observation may be out of date, but my experience is that the best independent mechanics are also the ones least likely to accept such insurance. The hungrier guys put up with the paperwork.
Most of the stories I've seen are via the work being done at the dealership once pre-approved. They pay directly or reimburse you. The added step is needing to preautherize prior to the work being done. They claim you can have the work done any where though. It seems like a less shady 3rd party warranty.
 

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Most of the stories I've seen are via the work being done at the dealership once pre-approved. They pay directly or reimburse you. The added step is needing to preautherize prior to the work being done. They claim you can have the work done any where though. It seems like a less shady 3rd party warranty.
As long as you're comfortable with their policy.

Member fendertweed has posted a lot of insightful comments regarding extended warranties of different sorts, worth a quick search.
 

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The devil is in the fine print. The authorization process can cause undue delays in repairs. They may ask you for service receipts and the dealer for photos of failed parts. They may also send an inspector review the problem prior to authorizing coverage.

There is a reason the price is so much less than the Subaru plan.

Confirm that the deductible is per visit and not per incident covered.
 

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The Subaru plan also covers things you won't consider as covered by an extended warranty.

For example - TIRES. Your factory tires don't come with a road hazard warranty, the SAS Gold Plus adds that coverage and will pro-rate replacement of all 4 tires if one is damaged and the wear is such that they all need to be replaced to have a close enough circumference. This is probably the biggest add-on, I had to make use of it and I ended up making back nearly 75% of my warranty on that one repair (I only bought the 5/60 with $100 deductible). You are not tied to buying tires from the dealer, I bought mine at another shop and submitted the bill for reimbursement but you have to be aware of the requirements for doing so.
 
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