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Question regarding Subaru's Certified Preowned warranty

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1.2K views 21 replies 8 participants last post by  Rick91981  
#1 · (Edited)
This is our first CPO Subaru, a 2023 Outback Onyx which had 17K miles at the time of purchase (only 22 days ago) and was being advertised at the local Subaru dealer as "Certified Preowned".

When I asked the finance person what certified preowned meant for Subaru, he stated the car was covered until the 100K miles. However, on the financing contract, they added $2,140 as "Service Contract". When I asked about this fee, he said this was to "cover for the electronics" on the car. Is this true??

Doesn't the title "Certified Preowned" already covers all the electronics (head unit, sensors, ECU, etc.) until 100K miles? I feel like I'm being taken advantage of. I want to remove this $2,140 fee. I'm hoping I don't have to escalate this with SOA if they refuse.

I probably have only 6 more months on the bumper to bumper warranty. Do you guys think I should keep this service in case something may go wrong with the electronics on the car? Particularly since the center console unit controls so many things in the car.

Asking Google, AI gave answers for more extensive electrical coverage such as the Classic Wrap-Around plan and Gold Plus plan. Is this what the $2,140 fee is for?

I would appreciate if you guys can chime in with your experience on this. Thanks in advance.
 
#2 ·
To determine what's really going on, you need to provide the exact information provided on the "Service Contract" - for example is it hand written on dealership letterhead, or is it described in a brochure of some sort? Is it just a line on your invoice with no additional paperwork?

In some rare cases a vehicle sold as certified pre owned by a dealership has not been registered with Subaru of America and doesn't actually have the CPO warranty.

Factory-backed 7-year/100,000-mile powertrain coverage, $0 deductible, but that's 7 years from the first day the car was sold, before you bought it and only until the odometer shows 100,000 miles. It is only a powertrain warranty. So it's true that if you want other things covered, it would be something else.

Whether that specific fee your dealership charged was for a genuine Subaru plan or not cannot be answered unless you contact Subaru to find out if the dealership registered your car with Subaru's own extended protection plans. Again, what paperwork did you get? If it doesn't say that you have Classic or Gold Plus, there's a good chance it's not a Subaru protection plan.


 
#4 ·
I just spoke to the finance guy, he stated the fee was the Gold Plus program. They were supposed to give me a flash drive with the information, but they never did.

Ok, no problem then. This is the wife's car and the kids ride in it so I want it in top shape. I really don't mind paying the $2,140 for warranty so long as I'm sure the car is truly covered.

Just need them to send me the document to read it.

Thanks again SilverOnyx.
 
#5 · (Edited)
I just spoke to the finance guy, he stated the fee was the Gold Plus program. They were supposed to give me a flash drive with the information, but they never did.

Ok, no problem then. This is the wife's car and the kids ride in it so I want it in top shape. I really don't mind paying the $2,140 for warranty so long as I'm sure the car is truly covered.

Just need them to send me the document to read it.

Thanks again SilverOnyx.
If they sold you a Subaru Gold Extended Warranty (The only one you should purchase btw) then your invoice should say just that.

Service contract can mean whatever they want it to mean. Get it in writing asap. I don't trust car salesman and I don't trust what they're telling you. Service contract and a warranty are two different things entirely. In the car business, a service contract is typically prepaid maintenance.

I got this yesterday. New Gold Plus.
 

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#8 ·
I dont like what I see, what's the optional gap contract of 1200?

And the Lithia service contract of 1500,, I wouldn't do this stuff.

Just go buy a new OB even a friggin base model if that's all you can afford.

CPO these days are mostly scams, many dealers are independently owned and dont have to adhere to guidelines of SOA or any brand for the matter, Honda comes to mind... CPO is not what it used to be.. Ive seen some real wrecked vehicles as a CPO.

They're gunna spank you I guarantee it
 
#9 ·
In order to get the car, I had to get that gap coverage, I was upside down on the loan :( but coming out of what I had before: a Chrysler Pacifica which ended up having lots of issues/things I had to fix/work on: new radiator, Oil Cooler, HVAC actuator, Solenoid leaks, parasitic battery drainage problems, Auto Start issues, etc.. I feel we ended up with a pretty good deal on the Outback. I did so much work on that Chrysler it makes me not ever want to buy an American car again.

I already cancelled the Lithia LIfe time Program. I ran the numbers and the "unlimited lifetime" oil changes come out to a whopping $150 per oil change.
$1,500 / oil changes twice a year for 5 years = $150 per oil change. No thanks. Plus I really like doing this myself and checking the undercarriage periodically, I do my own inspections lol.

I take very good care of my cars. To be honest, I may never have to use the Subaru Gold Plus warranty, but it's peace of mind after the nightmares I went through with the minivan.

The wife and the kids love the Outback, so we are happy.
 
#10 ·
If you do your own oil changes (which I recommend), you end up spending a little less than $40.

Pennzoil Full Synthetic or whatever is on sale from Walmart goes for $25 (sometimes cheaper), new oem Subaru Filter (I buy in packs of 3 with crush washers for $38 w/ free shipping) = around $38 per DIY oil change.

Oil changes + tire rotation with proper torque values every 4K miles on the clock, that Subie motor will last a long time.
 
#16 ·
When I asked the finance person what certified preowned meant for Subaru, he stated the car was covered until the 100K miles. However, on the financing contract, they added $2,140 as "Service Contract". When I asked about this fee, he said this was to "cover for the electronics" on the car. Is this true??

CPO covers power train only and not the electronics. The added cost is the "Gold Wrap" which upgrades the coverage to bumper to bumper (except wear items).
 
#21 ·
I paid $2060 for the Gold on a CPO 2022 that was 2 years old. I wonder if the price gets adjusted downwards with the age of the car, since the 84 months begins on the date of first sale/lease.

What I need to look up is which regular (mileage) service items are covered by the various warranties. Need to make time to review, it can be confusing since I have 2 cars of different makes, but from the same dealer. The other car has a dealer-written "for a lifetime" warranty on some things, and free oil changes.