Dealer extended warranties are expensive. Third-party providers like CARCHEX and Endurance offer similar coverage at lower cost — here's how they compare so you can decide which is right for your vehicle.
CARCHEX is one of the most established third-party warranty providers, with plans covering used vehicles up to 10 years old. Strong customer service reputation and flexible coverage tiers.
Best for: Used vehicles · Coverage: Up to 5 years
Endurance offers coverage on vehicles up to 200,000 miles, making it a strong option for high-mileage buyers. Plans include a free year of Endurance Elite Benefits (tire repair, key fob replacement, and more).
Best for: High-mileage vehicles · Coverage: Up to 8 years
Include warranty cost in your monthly budget
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Open auto loan calculator →Is an extended car warranty worth it?
It depends on the vehicle's reliability history, your financial cushion, and how long you plan to keep the car. For vehicles known for higher repair costs after 100,000 miles (European brands, high-end electronics), a third-party warranty can pay off. For highly reliable vehicles like the Toyota Camry or Honda CR-V, many owners skip extended warranties and self-insure. The key question: could you handle a $3,000–5,000 repair bill without financial stress? If not, a warranty is worth pricing out.
What's the difference between CARCHEX and Endurance?
Both are A+ BBB-rated third-party warranty providers. CARCHEX is best for used vehicles up to 10 years old, with strong customer service and multiple coverage tiers. Endurance covers vehicles up to 200,000 miles and is better suited to high-mileage buyers. Endurance also includes a free year of Elite Benefits (tire repair, key fob replacement, roadside assistance upgrades) that CARCHEX doesn't offer as standard. Get quotes from both — prices vary by vehicle and coverage level.
Should I buy an extended warranty from the dealer or a third party?
Third-party warranties from companies like CARCHEX and Endurance typically cost 20–40% less than dealer-offered warranties for similar coverage. Dealer warranties have the advantage of being administered by the manufacturer (for factory-backed plans) or familiar name brands. However, the coverage is often equivalent or better from reputable third parties, and you can buy them at any time — not just at the point of sale. Never feel pressured to buy a dealer warranty in the finance office.
CarPaymentNow may receive compensation from warranty providers listed on this page. Coverage terms, pricing, and availability vary by vehicle, location, and provider. Always read the full contract before purchasing any extended warranty product.