A Ford extended warranty is like a safety net for surprise repair bills after your warranty ends. I've looked into Ford’s four extended plans to break down the essentials.
For Ford owners, extended warranties are a wise move to avoid unexpected repair costs. Wondering if Ford's plans are your best option?
In this article, I'm laying out the plan details, coverage options, and estimated costs. Plus, I'm sharing insights on third-party providers for more choices.
What Is a Ford Extended Warranty?
Ever thought about what happens when your car warranty takes a breather? Well, Ford's got a plan for that - it's called Ford Protect Extended Service Plans (ESPs), and it's like a reliable sidekick for your car.
Here's the deal: When you grab extended coverage from a legit dealer, certified Ford pros at authorized Ford or Lincoln spots take care of your car hiccups. And guess what? They only use genuine Ford parts, no shady stuff.
This Ford extended warranty tackles the basics, covering repairs and labor after your car decides to act up. And the best part? All plans have your back with powertrain protection, handling those major repairs. You get to customize the coverage – up to 10 years or 175,000 miles. It's like tailoring a suit, but for your car!
Now, for the gold star – in the 2024 automaker warranty study, Ford scored an awesome 4.4 out of 5.0 stars, landing the second-highest spot among manufacturers. It's like Ford saying, "We've got you covered!" Your ride is officially in good hands.
How Much Does a Ford Extended Warranty Cost?
Now, the deductible part – plans usually quote $100, but you can choose $0, $50, or $200. Pick $200, and you might save 5%, but going for $0 could increase the cost by 10%.
Ford Extended Warranty Coverage
Ford's service contract, known as Ford Protect Extended Service Plans, are like your car's trusty sidekick. There are four plans for regular and hybrid cars and three for electric ones. If your vehicle is still under the initial three-year/36,000-mile warranty, these plans step up when it needs fixing from regular wear and tear.
Getting a price quote and coverage is easy – no need to visit the dealership; do it online. Plus, you get to make your plan just how you like it. Whether you want a four-year/175,000-mile warranty or a 10-year/48,000-mile deal, Ford's got options for you.
Ford Extended Warranty Plans
I know how important it is to have the right coverage for car protection. That's why Ford offers Extended Service Plans (ESPs). Let me explain what each plan covers so you can make the right choice.
1. Ford PowertrainCARE Warranty
This is Ford's basic plan. It covers important parts like the engine, transmission, and drivetrain. Ford says it covers 29 components, but it's actually more. It also includes all-wheel drive if your car has it.
2. Ford BaseCARE Warranty
This plan builds on PowertrainCARE and covers even more stuff, about 84 components in total. It fully protects your steering and partially covers other systems like the suspension and air conditioning.
3. Ford ExtraCARE Warranty
For extra protection, there's ExtraCARE. It covers 113 components, including high-tech parts like instrument panels and power seat motors. You get full protection for steering and braking, plus some for other systems.
4. Ford PremiumCARE Warranty
This is the top-tier plan, giving you the most coverage. It's almost like having a bumper-to-bumper warranty, just like when you first bought the car. PremiumCARE covers over 1,000 components, including rear suspension and emissions parts.
Ford also offers extended warranty plans for EVs, which are similar to regular ones but without the PowertrainCARE option. You can check out what's covered in each plan by downloading the brochures from Ford's website.
Ford Protect ESP Benefits
Ford offers some great benefits with its extended warranty coverage. All four plans give you:
- Roadside help: You can call for 24-hour roadside assistance, whether you need a tire fix or fuel delivery.
- Emergency money: If you have to travel unexpectedly because of a breakdown, they'll cover up to $1,000 for things like food and lodging for the first five days.
- Towing support: They'll pitch in up to $100 for a towing service.
- Destination aid: If your car breaks down, they'll give you up to $75 to help you get where you need to go next.
- Rental car help: If your covered vehicle needs repairs overnight, they'll cover up to $30 a day for a rental car for up to 10 days.
Overall, Ford's Extended Service Plan benefits are pretty generous, even with the cheapest plan.
To give you an idea, other programs might only offer $500 for emergency travel costs, but Ford doubles that. And while most warranties only give you $35 a day for a rental car, Ford ups that to $60 for 10 days, giving you more value.
Factors Influencing a Ford Extended Warranty Costs
Considering these factors carefully can help you find the right Ford extended warranty for your needs. Let's break down what influences the cost of a Ford extended warranty:
- Coverage level: This is how much protection you get. A comprehensive plan, like one covering everything from bumper to bumper, costs more. But if you're just looking to cover the essentials, like the powertrain, it'll be cheaper.
- Coverage length: How long you want to be covered matters. Longer contracts cost more, but if you don't drive a ton, you can save some money by opting for less coverage.
- Deductible: This is what you pay out of pocket when you need repairs. Choosing a higher deductible means you'll pay less each month for your warranty.
- Make and Model: Different Ford models have different repair costs, which affects the warranty price. A warranty for a Ford Edge will be cheaper than one for a Ford F-250 because the Edge generally costs less to repair.
- Mileage and Vehicle age: Older cars and ones with more miles tend to need more repairs, so their warranties cost more.
- Existing coverage: If your car is already under warranty when you buy it, you might get a better deal on extending that coverage.
Ford Extended Warranty Terms and Conditions
In reviewing the Ford Protect Extended Service Plans, I've discovered some key points that every Ford owner should understand. Let's break them down:
- Maintenance: To keep your warranty valid, stick to the maintenance schedule in your Ford owner’s manual. Remember to keep records, like receipts for oil changes. Without proof of upkeep, Ford might reject your repair claims.
- Preexisting conditions: If your vehicle has a problem before getting the extended warranty, the warranty won't cover repairs for that issue. You'll need to handle any preexisting conditions on your own.
- Transferability: If you sell your Ford or Lincoln, you can transfer the warranty to the new owner. Just fill out paperwork and pay a $75 fee within 180 days of the sale.
- Exclusions: Ford won't cover repairs caused by aftermarket parts or their failures. While the contract doesn't mention track use, racing falls under "negligent use," not covered by the warranty.
- Cancellation and refunds: Within 30 days of signing up, you can cancel the Ford Protect Extended Service Plan and get a full refund if no claims have been made. After that, or if you've filed a claim, any refund will be prorated.
Is a Ford Extended Warranty Worth It?
Deciding if a Ford Extended Warranty is worth it depends on your situation. I can't guarantee it's right for you, but here's what you should think about:
- Car Reliability: If your car often has problems, an extended warranty might be a good idea.
- Cost vs. Repairs: Compare the warranty cost with potential repair expenses. If the warranty is cheaper, it might be worth it.
- Financial Readiness: If you don't have enough saved for unexpected repairs, a warranty could provide peace of mind.
- Peace of Mind: Some people feel better knowing they're covered, even if they don't save money.
Fords aren't known for their reliability, and fixing them can be costly. For example, a ConsumerAffairs investigation looked at repair costs for different cars, including the Ford F-150. It showed how expensive repairs can be. Ultimately, it's up to you to decide if a Ford Extended Warranty fits your needs.
Best Ford Extended Warranty (Third-Party) Alternatives
I've found some really good options if you're looking for alternatives to Ford's extended warranty. Companies like Endurance, CARCHEX, and CarShield offer fair prices and great benefits. They're well-known for their good service, so Ford owners can trust them to take care of their cars.
1. Endurance: Best Overall
I believe Endurance is the best pick for an extended auto warranty. It offers a great package with lots of benefits, covers a wide range of things, and won't cost you an arm and a leg.
Endurance started in 2006 and is one of the few companies that directly offer warranties. Most people who use their service have positive things to say, giving them a 3.7-star rating on Trustpilot and the Better Business Bureau (BBB).
The pricing is reasonable, and you have options for different plans and deductibles, starting as low as $0 and going up to $200. You're covered for as far as 200,000 miles, which is perfect if you have an older car. They have five regular plans and one special one called EnduranceAdvantage™ that even takes care of maintenance.
Here's a breakdown of their plans:
- Secure: This is their basic plan, covering important stuff like the engine and transmission.
- Secure Plus: Taking it up a notch by including protection for steering and electrical components.
- Premier: Designed for for high-mileage cars, shielding vital parts like the engine and transmission.
- Superior: This is their top-level coverage, providing protection for tons of car parts.
- Supreme: It’s like having the original factory warranty, giving you maximum protection.
- EnduranceAdvantage™: This unique plan covers both breakdowns and maintenance.
Every plan they offer includes perks such as roadside assistance, towing, coverage if your trip gets interrupted, and assistance with rental cars. And here’s the cool part: every plan also includes a free year of Endurance Elite membership, with perks like tire and key fob replacements, identity theft protection. Also, getting discounts for collisions, and receiving $250 worth of vouchers to use with Endurance partners.
2. CARCHEX: Best for Used Cars
When your Ford car's warranty runs out, think about CARCHEX. They've been doing warranties since 1999 and have plans that go up to 250,000 miles. There are five plans to pick from:
- Powertrain: Covers the big stuff in your car, the things that usually cost the most to fix.
- Powertrain Plus: Good for cars with lots of miles, it covers the major systems just like the Powertrain plan.
- Platinum: This is the best plan, covering lots of parts across all the important systems in your car.
- Titanium: If you want maximum coverage, this plan's for you. It covers almost everything, except for a few parts.
- Extra Care: This goes beyond the basics, covering most of the other parts in your car.
CARCHEX isn't just about coverage, though. They've also got some cool perks:
- If your car needs to be towed, they'll pay you back.
- They've got 24/7 roadside help, so you're never stuck.
- If your car needs repairs, and you need a rental, they'll cover it.
- And if your road trip gets messed up because of a breakdown, they'll help with your expenses.
CARCHEX got an A+ rating from the BBB, and they're accredited by them too. They've only got a 2.5-star rating on Trustpilot, but they're still working hard to keep their customers happy.
3. CarShield: Affordable Monthly Payments
Want to spend less on your Ford's extended warranty? Let me tell you about CarShield. They've been around since 2005, helping tons of drivers like us. After checking them out, I found they offer some of the cheapest plans around.
What's cool is their reputation. With over 40,000 customer reviews on Trustpilot, CarShield scores an impressive 4.0 stars. Now, let's see what they've got:
- Silver: Covers the basics, like your engine and water pump.
- Gold: Steps it up to cover major and minor parts, even your transmission and power windows.
- Platinum: Perfect for older cars, giving solid coverage for all your car's vital stuff.
- Diamond: It's like having a warranty from the manufacturer, with super comprehensive protection.
- Aluminum: This one's for electrical and computer problems.
- Motorcycle & ATV: They've got coverage for bikes and ATVs too!
And it's not just about coverage. CarShield adds some sweet extras to help when your car acts up:
- Rental Car Coverage: No need to stress about being car-less.
- Towing Reimbursement: They'll pay for your tow.
- 24/7 Roadside Assistance: Help is just a call away, anytime.
Final Thoughts and My Recommendations
To sum up, Ford offers different extended warranty plans called Ford Protect Extended Service Plans. These plans, like PremiumCARE, ExtraCARE, BaseCARE, and PowertrainCARE, cater to various needs and budgets.
Ford offers extended warranties range in cost from $1,500 to $7,000. They protect your car for up to 10 years or 175,000 miles, whichever happens first. On average, you'll pay around $2,590 for a Ford extended warranty.
While other options usually don't beat Ford Protect's prices, it's still smart to look around. Your situation might lead to different results. So, it's vital to compare thoroughly to find the best fit for you.