Defend My Automobile and CARCHEX are each glorious choices to your prolonged auto guarantee wants. This assessment takes a side-by-side take a look at Defend My Automobile vs. CARCHEX. Study extra about every firm and see how the 2 evaluate by way of price, protection, and customer support.
You may get free, personalised quotes from each corporations by clicking beneath.
On this article:
Overview Of Defend My Automobile And CARCHEX
Defend My Automobile was established in 2005 and relies in Saint Petersburg, Florida. Along with commonplace automotive guarantee choices, Defend My Automobile additionally gives what it calls Ambassador insurance policies, which embrace pay as you go upkeep in addition to partial protection for the price of automotive repairs. These plans are tailor-made particularly for older automobiles that don’t qualify for a typical automobile service contract.
CARCHEX is a bit older, having been established in 1999. Immediately, it is without doubt one of the most recognizable suppliers in the marketplace and has partnerships with a number of main corporations together with CARFAX, Edmunds.com, Kelley Blue Ebook, and RepairPal. CARCHEX is understood for its plans that reach as much as 10 years or 250,000 miles of protection.
Defend My Automobile Vs. CARCHEX: Protection
Defend My Automobile and CARCHEX each supply comparable kinds of protection, although CARCHEX has extra contract choices and better protection time period limits.
| Defend My Automobile | CARCHEX | |
|---|---|---|
| Protection Ranges | 3 | 5 |
| Highest Mileage Restrict | 125,000 miles | 250,000 miles |
| Protection Ready Interval | 30 days and 1,000 miles | 30 days and 1,000 miles |
| On-line Pattern Contracts | ✓ | ✓ |
| Roadside Help | ✓ | ✓ |
| Rental Automobile Reimbursement | ✓ | ✓ |
| Journey Interruption Protection | ✓ | ✓ |
| Upkeep Plans | ✓ |
One vital distinction to notice is that CARCHEX contracts are provided by means of a number of completely different directors. Which means that every degree of CARCHEX protection has a number of contract choices from completely different corporations. Whereas these contracts are largely comparable, there are slight variations comparable to reimbursement quantities for roadside help.
Defend My Automobile gives three ranges of protection:
- Supreme: Complete stated-component protection for many automobile components
- Choose: Excessive-level protection for automobiles with greater than 50,000 miles
- Driveline: Mid-level protection for automobiles 4 to 10 years previous with greater than 80,000 miles
Defend My Automobile contracts all include roadside help, rental automotive reimbursement, and a visit interruption allowance. The longest time period for a Defend My Automobile contract is 125,000 miles.
Along with the protection described above, Defend My Automobile additionally sells Ambassador Upkeep Plans. These plans pay for the price of oil modifications and tire rotations, in addition to a sure proportion of all repairs. There are three plans out there:
- Elite: 50 % off repairs for many components besides navigation programs
- Professional: 50 % off repairs for many components besides navigation programs, and no roadside help
- Platinum: 75 % off repairs for many components besides navigation programs
When evaluating Defend My Automobile vs. CARCHEX, you can find that CARCHEX has extra protection choices, every provided by a number of directors. The 5 CARCHEX plan choices embrace:
- Titanium: Exclusionary, bumper-to-bumper guarantee protection
- Platinum: Complete stated-component protection for practically all automobile programs
- Gold: Mid-level protection for many main automobile programs
- Silver: Enhanced powertrain protection
- Bronze: Fundamental powertrain guarantee protection to your engine, transmission, and drivetrain
The longest CARCHEX contract time period is 10 years/250,000 miles. As with Defend My Automobile contracts, all CARCHEX guarantee plans additionally embrace roadside help, rental automotive reimbursement, and a visit interruption allowance.
Defend My Automobile Vs. CARCHEX: Price
Our assessment workforce has reached out for quotes from all the trade’s high guarantee suppliers, together with Defend My Automobile and CARCHEX. This primary chart compares the price of a bumper-to-bumper guarantee from every supplier. Contract phrases had been provided for a similar automobile: a 2016 Honda CRV with 45,000 miles on it.
| Defend My Automobile | CARCHEX | |
|---|---|---|
| Plan | Supreme | Titanium |
| Time period Size | 4 years/100,000 miles | 5 years/125,000 miles |
| Month-to-month Price | $125.00 for 40 months | $194.00 for 18 months |
| Down Cost | First month’s cost | First month’s cost |
| Whole Price | $4,048.00 | $3,492.00 |
| Deductible | $100.00 | $100.00 |
Defend My Automobile gives an extended financing interval however comes with the next total price for a shorter interval of protection.
For extra primary protection on a high-mileage automobile, Defend My Automobile provided superior financing. The chart beneath exhibits contract particulars for a primary guarantee on a 2013 Toyota Camry with 92,000 miles.
| Defend My Automobile | CARCHEX | |
|---|---|---|
| Plan | Driveline | Silver |
| Time period Size | 4 years/75,000 miles | 5 years/60,000 miles |
| Month-to-month Price | $65.82 for 48 months | $190.00 for 18 months |
| Down Cost | $90.00 | First month’s cost |
| Whole Price | $3,249.36 | $3,420.00 |
| Deductible | $100.00 | $100.00 |
Once more, Defend My Automobile provided an extended financing interval, however this time, at a decrease total price. Nevertheless, the CARCHEX plan lasts for one yr longer (although 15,000 miles much less).
Understand that prolonged automotive guarantee prices can fluctuate from buyer to buyer and depend upon various elements comparable to your automobile age and mileage. To match prices between the 2 suppliers for your self, click on beneath.
Defend My Automobile Vs. CARCHEX: Buyer Service
Each Defend My Automobile and CARCHEX have robust customer support scores. Whereas CARCHEX has the superior trade standing, evaluations from prospects on websites just like the Higher Enterprise Bureau (BBB) and Trustpilot are stronger for Defend My Automobile. A customer support comparability is detailed within the chart beneath.
| Defend My Automobile | CARCHEX | |
|---|---|---|
| BBB Rating | Not rated | A+ |
| BBB Buyer Evaluation Rating | 5.0 / 5.0 | 2.0 / 5.0 |
| Trustpilot Rating | 3.7 / 5.0 | 3.4 / 5.0 |
Defend My Automobile is neither rated nor accredited by the BBB. Defend My Automobile has fielded over 120 complaints within the final three years, whereas CARCHEX has acquired simply over 90 complaints. Contemplating CARCHEX is a bigger supplier, that is notable.
Our Take On Defend My Automobile And CARCHEX
In the case of Defend My Automobile vs. CARCHEX, we charge CARCHEX barely larger due to its extra complete protection and superior trade standing. Customer support scores and prices are comparable between the 2 corporations.
Defend My Automobile gives higher phrases for low-level protection for high-mileage automobiles, whereas CARCHEX has cheaper choices for bumper-to-bumper protection. And whereas Defend My Automobile evaluations look like barely higher, it has fielded the next variety of BBB complaints regardless of being a smaller firm. CARCHEX guarantee evaluations are largely constructive, even when buyer scores are a bit decrease total.
| Defend My Automobile | CARCHEX | |
|---|---|---|
| Trade Standing | 4.5 | 5.0 |
| Protection | 4.5 | 5.0 |
| Price | 4.5 | 4.5 |
| Transparency | 4.5 | 4.0 |
| Buyer Service | 4.0 | 4.5 |
| Motor1 Ranking | 4.5 | 4.5 |
Each Defend My Automobile and CARCHEX made our record of the finest prolonged auto guarantee suppliers, so you may’t go improper with both. One of the simplest ways to resolve which of the 2 corporations could be cheaper for you is to match charges your self. You may get free, personalised quotes from each suppliers beneath.
