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Is an Allstate Extended Warranty Worth It?

allstate extended warranty
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Allstate is an American insurance company that offers a wide range of car insurance plans. The company was founded in 1931 as part of Sears, Roebuck and Co. and branched off on its own in 1993. Allstate’s headquarters is in Northfield Township, Illinois, and it also offers insurance in Canada. You might already know that Allstate is a leading car insurance provider, but that’s not all this company does. It also provides Allstate Vehicle Service Contracts to help car owners save money in case of mechanical breakdowns.

These Allstate extended warranty plans give car owners even more peace of mind. You can easily get a good extended warranty from Allstate if you do a little research about the amount of coverage offered by the company, look at customer reviews, and explore some additional benefits. Let’s take a thorough look at the various Allstate extended warranty plans so you can find out if it’s really worth your time and money.

What Is an Allstate Extended Warranty?

As the name suggests, the Allstate extended warranty is a type of warranty for cars provided by the Allstate insurance company. This warranty is meant to take care of the repair costs for your steering system, transmission, engine, electrical system, and a lot more, depending on the type of extended warranty you choose. You can get up to 100% of repairs covered, including labor, after paying a deductible of $50.

Under the Allstate extended warranty, you can choose from a couple of different plans, each offering unique features and services for your car repair costs. Allstate calls its extended warranty options the Allstate Extended Vehicle Care plans.

Allstate Extended Warranty Types

Allstate offers three extended warranty plans. Each one provides coverage for basic systems, including the engine, drive axle, and transmission. The more benefits you want to have with your warranty, the higher level option you’ll want to choose. For instance, the highest-tier Allstate extended warranty covers automatic emergency braking systems and cruise control while also offering coverage for basic systems. Here are all three Allstate extended warranty plans with more details:

  • Powertrain: This plan offers coverage for the basic vehicle systems, such as the engine, drive axles, and transmission. It doesn’t cover brakes, suspension, steering, fuel system, engine cooling, or the electrical system.
  • Core systems: As the name suggests, this plan provides coverage for the main mechanical and electrical systems along with the coverage offered in the Powertrain Plan.
  • Comfort and tech: This plan provides the benefits of both the Powertrain and Core Systems Plans and coverage for AC, convenience tech, heating, and safety tech systems.

Cost and Additional Benefits

Extended Vehicle Care Plans from Allstate are available for vehicles up to seven years old with 100,000 miles or less. There’s no concrete information available about how much Allstate’s plans cost. The pricing may vary based on your car model and trim level and the type of plan you choose. An Allstate Vehicle Service Contract comes with some additional perks other than extended repair coverage, including benefits for:

  • Towing
  • Emergency road services
  • Rental car reimbursement
  • Trip interruption coverage

You also get 24/7 Good Hands protection from Allstate, which provides you with exceptional claims handling and certified claims technicians. Also, you can find Allstate-approved repair facilities throughout Canada and the United States.

Allstate Extended Warranty Deductibles

When you’re planning to buy an extended car warranty policy, such as the Allstate Extended Vehicle Care Plan, you must choose the right coverage limit and deductible amount.

The deductible amount will be the money you agree to pay before the insurance company pays the rest of your claim. Suppose you’re in an accident and the damages amount to $5,000. If you have an extended car warranty with a deductible of $200, you’ll only need to pay $200. Your insurance provider will take care of the rest. The deductible for an Allstate extended warranty is $50.

It’s important to note that the deductible amount directly affects your monthly premium payments. Monthly premiums will be higher if you have a low deductible and vice versa.

What Is the Coverage Limit for an Allstate Extended Warranty?

Usually, the limit of the extended car warranty coverage is the maximum amount your insurance company or warranty provider will pay on claims. You’ll have the option to choose a coverage limit on your extended warranty from Allstate at the time you decide on the deductible amount.

If you go for a high coverage limit, you’ll have to pay more for your car insurance premiums. For instance, if you set a coverage limit of $100,000, and the repair cost turns out to be $110,000, you’re $10,000 over your policy coverage limit. The company will only pay $100,000. You’ll need to pay the additional $10,000 out of pocket.

Should You Buy an Allstate Extended Warranty?

An Allstate extended car warranty comes with the promise of paying 100% of the reaming amount after your deductible for your covered parts and labor. You can even transfer your contract, which adds to your vehicle’s resale value. The Allstate Vehicle Service Contract provides the policyholder protection against increasing replacement costs and caters to the needs of people who are looking to get coverage for their car repairs. It’s ideal for vehicles whose manufacturer warranty has expired.

If you need more information about the extended warranty plans from Allstate to help you make a more informed decision, get in touch with your local Allstate agent. They’ll gladly help you by providing you with all the details and information you might need to decide whether the chosen plan is right for you. Your Allstate agent will be able to recommend the ideal deductible and coverage amount based on your unique needs and requirements.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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