America's Advocate for
Vehicle Protection Plans

What should I look for when considering purchasing a vehicle service contract?

Understand what you want, what you're willing to pay and find a contract that will fit that bill. If you want a lot of coverage, then that's what you should ask for. Want less coverage? There's a contract out there that's right for you.

Beyond that, look at the company providing the contract, research them through the Better Business Bureau, and make sure you fully understand the details of your contract.

The details of your coverage are typically provided to you in booklet format via mail shortly after purchasing your vehicle service contract. In many cases, you can elect to receive an electronic copy of your service contract via email.

Prior to purchase, many vehicle service contract sellers are able to provide you with a sample contract to assist you in making your decision. Ask your selling agent for details of this service.


Learn About Vehicle Service Contracts

Click below to browse our Frequently Asked Questions:

  1. What is a vehicle service contract?
  2. How does a vehicle service contract work?
  3. Why do I need a vehicle service contract?
  4. What does a vehicle service contract cover?
  5. What is an extended warranty?
  6. A warranty came with my car when I bought it. Why do I need a vehicle service contract? Isn't my car covered by the original warranty?
  7. What happens if I sell my car? Is my vehicle service contract transferrable?
  8. Can I purchase extensions and upgrades to my vehicle service contract?
  9. What vehicle upkeep am I responsible for in order for my service contract to remain valid?
  10. Where can I take my vehicle for repairs?
  11. If I get a vehicle service contract, can I still work with my local mechanic?
  12. Do I have to pay for my vehicle service contract in full at the time of purchase?
  13. What if I want to cancel my vehicle service contract?
  14. Can my claim amounts exceed the amount of money I paid for my vehicle service contract?
  15. How are vehicle service contract claims paid?
  16. What happens to the money I pay for my vehicle service contract?
  17. What should I look for when considering purchasing a vehicle service contract?
  18. How does a vehicle service contract deductible work?
  19. Why should I buy a vehicle service contract now? Especially if I still have a manufacturer's warranty.
  20. Are auto manufacturers involved with the creation and sale of vehicle service contracts?
  21. What's the difference between a vehicle service contract and a manufacturer's warranty?
  22. Will purchasing a vehicle service contract subject me to telemarketers and mailings from companies that may not be reputable?
  23. How does the Vehicle Protection Association (VPA) ensure that I, as a consumer, am protected from fraud, false advertising, or other exploitive practices?
  24. Does the VPA provide a list of trusted organizations and businesses?
  25. Who can I contact if I have a problem with my automotive service contract or its provider?

The VPA is intent on ensuring that no consumer is a victim of a dealer warranty scam of any kind. As an industry association for companies in the vehicle service contracts industry, we are taking proactive steps to ensure that consumers are protected from rogue firms that do not adhere to industry best practices and applicable rules and regulations.

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