Quick Verdict: Best for older and high-mileage vehicles
Pros
- ✓20+ years in business — longest track record on this list
- ✓Broker model means access to multiple underwriters
- ✓Available in all 50 states including California
- ✓30,000 ASE-certified shops — largest network
Cons
- ✗Lower BBB and Trustpilot ratings than competitors
- ✗Must call to finalize — no fully online enrollment
- ✗Broker model means less direct control over claims
Best For
Owners of older vehicles, high-mileage cars, and California drivers who need VSC/MBI coverage
CARCHEX Coverage Tiers
✓
Powertrain — engine, transmission, drivetrain
✓
Powertrain Plus — powertrain + cooling
✓
Select — major systems coverage
✓
Premier — near-comprehensive
✓
Exclusionary — bumper-to-bumper minus listed exclusions
Pricing and Network
| Monthly Cost | $100–$220 |
| Repair Network | 30,000 ASE-certified repair shops nationwide |
| Max Mileage | 250,000 miles |
| Max Vehicle Age | 10 years |
| California | ✅ Available |
| Quote Process | Online quote available, phone call required to finalize enrollment |
| Our Rating | ★★★☆☆ |
How Claims Work with CARCHEX
When your vehicle needs repair, contact CARCHEX's claims department by phone or online. Take your vehicle to one of 30,000 ASE-certified shops. The shop contacts the underwriter (CARCHEX acts as broker connecting multiple underwriters) for authorization. Pay your deductible; the shop is paid directly by the underwriter.
CARCHEX Extended Warranty — Common Questions
How long has CARCHEX been in business?▼
CARCHEX has been in business for over 20 years, making it the most established provider on this list by longevity. This track record means more data on claims handling and financial stability.
Is CARCHEX available in California?▼
Yes. CARCHEX is available in all 50 states, including California. In California, CARCHEX sells coverage compliant with California's vehicle service contract regulations.
Is CARCHEX a broker or direct provider?▼
CARCHEX is a broker — they sell contracts underwritten by multiple third-party companies. This gives access to a range of plan options and underwriters, but means CARCHEX itself doesn't directly administer claims.
Why do CARCHEX ratings vary so much?▼
CARCHEX's ratings on Trustpilot and BBB are lower than some competitors, largely because their broker model means claims experience depends heavily on which underwriter backs your specific plan. Some underwriters have stronger customer service than others.
How does CARCHEX compare to Chaiz for older vehicles?▼
CARCHEX's 20+ year track record and all-state availability (including CA) make it a solid choice for older vehicles. However, Chaiz's any-licensed-shop network and instant online quotes give it an edge for most drivers, even with older vehicles.