National Auto Care Warranty Review
National Auto Care is a big name in auto insurance, but what about the National Auto Care warranty? Click to find out more about the provider’s coverage options.
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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 above.
An extended car warranty refers to mechanical breakdown coverage offered by a vehicle manufacturer. However, this term is often mistakenly used to describe coverage from third-party companies. Independent providers offer similar protection through vehicle service contracts, but we’ve used the terms interchangeably in this article for convenience.
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:
| Overall Rating | 6.0 / 10.0 |
|---|---|
| Industry Reputation | 9.0 |
| Coverage | 5.0 |
| Warranty Cost | 6.0 |
| Transparency | 4.0 |
| Customer Experience | 6.0 |
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
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.
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
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
National Auto Care Warranty: Conclusion
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.