National Auto Care Warranty Review (2020) | TheDetroitBureau.com - Paul Eisenstein

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National Auto Care is predominantly an automotive financing and insurance product provider, but it also offers vehicle service contracts. Is National Auto Care warranty coverage any good?

In this article, we’ll review the coverage and costs of a National Auto Care warranty, as well as the company’s customer service ratings and industry reputation. We’ll also take a look at how National Auto Care stacks up against the best extended car warranty providers on the market today.

When choosing an extended warranty, you should reach out for prices from multiple companies before deciding on coverage. That way, you know you’re getting the best deal available. To start getting free quotes from our top recommended providers, click below.

Best Extended Car Warranty Companies

We reviewed every major warranty company for coverage, affordability and more. Here are our recommendations.

Best Provider	Best for High-Mileage Cars	Most Affordable
Endurance	CARCHEX	CarShield

Editor’s Rating:	Editor’s Rating:	Editor’s Rating:
★★★★★	★★★★½	★★★★½
Get Quote	Get Quote	Get Quote
(877) 374-1840	(866) 254-0205	(800) 563-2761

Table of Contents:

National Auto Care Overview

Started in 1984, National Auto Care offers insurance products, vehicle service contracts and additional auto protection services through local dealers across the U.S. According to its website, National Auto Care warranty coverage may vary from state to state in terms of availability and plan details.

The company received an A+ rating from the Better Business Bureau, illustrating a strong ability to communicate with customers and a history of using sound business practices.

Overall, here’s how we rate National Auto Care warranties:

Industry Reputation	4.5
Coverage	2.5
Warranty Cost	3.0
Transparency	2.0
Customer Experience	3.0
Overall Rating	3.0

What Does a National Auto Care Warranty Cover?

There isn’t much information on the National Auto Care website about its warranty coverage, but we were able to find a brochure that details six coverage options, including exclusionary, stated-component, powertrain and diesel wrap coverages. These vehicle service agreements can extend up to 156,000 miles and are available for new and used cars through financial institutions and dealerships.

Here’s an overview of the six National Auto Care warranty plans:

National Auto Care Warranty Plan	Coverage Details	Maximum Term Limit
Powertrain	Powertrain coverage for the engine, transmission and drive axles	7 years/100,000 miles
Medallion	Mid-level coverage for the powertrain and select components of the air conditioning, brakes, steering, electrical, suspension, fuel system and engine cooling system	7 years/100,000 miles
Preferred	Comprehensive stated-component coverage for most components of all major vehicle systems	7 years/100,000 miles
Pinnacle	Exclusionary bumper-to-bumper coverage	7 years/100,000 miles
PowerWrap	Exclusionary wrap coverage for vehicles still protected under their manufacturer’s powertrain warranty	10 years/100,000 miles
DieselWrap	Exclusionary wrap coverage for diesel vehicles still protected under the manufacturer’s powertrain warranty	6 years/100,000 miles

Some plans have different eligibility limits:

Powertrain, Medallion and Preferred: Available for vehicles up to 15 years old with up to 156,000 miles
Pinnacle: Available for vehicles up to 10 years old with up to 156,000 miles
PowerWrap and DieselWrap: Available for vehicles up to five years old with up to 60,000 miles

Additional Perks

When it comes to added benefits of a National Auto Care plan, there are two packages to choose from: VSA Core and VSA Elite. Below, we’ve listed the features and perks that come with each option.

VSA Core

$100 deductible
Transportation reimbursement
Trip interruption reimbursement
Emergency roadside assistance

VSA Elite

Manufacturer’s deductible
Transportation reimbursement
Trip interruption reimbursement
Emergency roadside assistance
No year or mileage restriction plan options

Cost of a National Auto Care Warranty

National Auto Care warranty prices are not available through the provider’s website, but we were able to find a few customer reviews that indicated customers had paid between $2,000 and $4,000 for coverage. Depending on the term limits of the plans, these could be fair prices.

As with any extended service agreement, the cost of a National Auto Care warranty will largely depend on your car’s age, make, model and mileage. The level of protection you choose, your deductible and your term limit will also play a role in determining the cost of your contract.

Finally, because National Auto Care warranty plans are only available through dealerships, they may be subject to dealer markups that drive up your final price.

How to Get a Quote and File a Claim

National Auto Care doesn’t provide much information about its claims or quote processes, but here’s what we did find:

Quotes

To get a quote for a National Auto Care warranty, we recommend asking your local dealer or financial institution if it provides National Auto Care services. Plans are not sold directly to consumers, but you may be able to call National Auto Care to find your nearest retailer.

Claims

Based on our research, National Auto Care provides a claims portal on its website as well as a mobile app. To access your account data, you’ll need to input your last name as well as your warranty agreement number or your vehicle identification number (VIN).

The company’s mobile app, called National Auto Care Service, has very few reviews on the App Store, so it’s hard to say how well it works. However, it does reportedly allow you to access your warranty contracts, report a claim and see what coverages you have.

National Auto Care Warranty Reviews

Customer service should be a key factor in your decision-making process when it comes to choosing an extended warranty provider. Below, we’ve listed a few customer reviews that discuss the National Auto Care warranty.

Negative Reviews

“Do not buy their warranty. They will deny repairs and claim a repair is not covered even though multiple mechanics verify the part is covered under their contract.” – Caroline W. via BBB

“National Auto Care could not get out of covering my warrantied items per the contract I had with them, so they canceled the contract outright, citing that my vehicle had modifications, even though those modifications were dealer-installed.” – J.R.H. via BBB

Positive Reviews

“I am satisfied because when I hear other people crying for being scammed by their extended warranty, I can just say thank you to the National Auto Care.” – Cedric D. via BBB

“I contacted them several times throughout the [claims] process via phone and online chat, and had nothing except positive experiences each and every time. If you are diligent in submitting all required paperwork, you should have no issues in getting your claim processed in a timely manner.” – Valerie F. via BBB

Conclusion: Is a National Auto Care Warranty Worth It?

National Auto Care warranty plans are comprehensive, and pricing may be fair. If you’re offered a National Auto Care warranty at a dealership, it could be a good bet. Just be sure to get quotes from other third-party providers to make sure you’re getting the best bang for your buck before signing any contracts.

However, if you’ve already purchased a vehicle and are now looking for extended coverage, there are better options on the market. Considering that plans can’t be purchased from the provider directly and there’s not much information available on the company’s website, we recommend reaching out to one of our vetted third-party providers instead.

Our Picks for Best Extended Car Warranties

While National Auto Care warranty coverage is a decent choice, we recommend finding an extended service plan that offers you peace of mind if you’re concerned about your vehicle’s reliability. Reputable extended car warranty companies can offer more flexibility in terms of:

Additional coverage plans and benefits
More deductible choice
Free, online quotes
Repair shops available throughout the U.S.
Additional options for older cars

If you’re interested in a quality extended warranty for your car, we recommend looking into Endurance, CARCHEX and CarShield. Click below for free, personalized quotes from these high-quality providers.