ASC Warranty: Reviews, Plans, and Costs (2023) – Automoblog

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ASC Warranty earned an overall score of 4.1 out of 5.0 in our most recent extended warranty study due to its four well-appointed coverage levels and competitive average prices. However, you can only purchase an ASC Warranty plan from select car dealerships rather than online.
You may not have heard of ASC Warranty – the ASC stands for Auto Services Company – but a car dealership near you probably has. The company’s extended car warranty plans are only available through participating dealerships. However, ASC has a particularly positive reputation within the industry and among customers.
We took an in-depth look at the provider’s coverage plans, cost factors, claims handling, and customer reviews to compare it to the best extended car warranty companies. You’ll find our results in the following article, along with a few providers to compare with ASC Warranty.
In many ways, ASC Warranty offers exactly what you’d want in a vehicle protection plan provider: thoughtful coverage options, affordable prices, and a strong reputation. However, the fact that you can only get an ASC Warranty through certain car dealerships and can’t get a quote online negates one of the main advantages of third-party car warranty providers.
Our team found that ASC Warranty is a strong provider overall, but there are a few things in particular that we like about the company:
Auto Services Company, Inc., is based in Mountain Home, Arkansas, and has been in the extended car warranty business since 1986. ASC Warranty plans are underwritten by the American Bankers Insurance Company, which has an “excellent” financial strength rating according to credit rating agency AM Best.
Despite its strong reputation, the company doesn’t sell plans directly – online or otherwise. Instead, it partners with dealerships that sell coverage to customers while ASC Warranty manages the contracts and handles claims.
While car owners can find a full range of coverage plans through ASC Warranty, the company has less options than other top providers. However, the coverage offered at each level tends to be generous compared to similar plans among competitors.
ASC offers four coverage tiers that range from exclusionary bumper-to-bumper coverage to a limited powertrain warranty. These include the following plans:
The table below has a comparison of the car parts and systems covered by each ASC Warranty plan:
ASC Warranty offers a wide range of vehicle service contract terms. You can receive coverage for as little as three months or 3,000 miles or for as long as eight years or 120,000 miles.
These lengths give drivers with both new cars and low-mileage vehicles plenty of options. However, some of the top extended car warranty companies offer coverage for cars with up to 300,000 miles on the odometer. If you hope to cover your vehicle beyond the 120,000-mile mark, look beyond ASC Warranty.
Most ASC Warranty plans come with valuable added perks that can include the following:
Actual benefits may vary slightly depending on your location and chosen plan. ASC Warranty contracts should clearly list out any perks that come with your vehicle protection plan.
Our research suggests that ASC Warranty offers competitive prices for its coverage plans. However, the company doesn’t have an option to get free quotes on its website and you can’t get them over the phone. Because of that, we weren’t able to retrieve actual cost data.
With any warranty provider, the price of coverage can vary greatly. Cost data offers a general idea of what you might pay, but you’ll have to get a quote for the most accurate figure.
The cost of an extended auto warranty varies because prices are based on variables related to your car, chosen provider, and coverage choices. Key car warranty cost factors include:
ASC Warranty offers some of the industry’s cheapest deductibles. Extended car warranty deductibles can go as high as $500 with many providers, but the most expensive deductible from ASC is $100. The deductible for the majority of the company’s plans is $0.
You cannot buy a warranty plan directly from ASC and you can’t request a quote directly either. To get a quote, you must head to a dealership that sells the company’s coverage offerings and ask for a potential rate there.
Our research team believes that this is the biggest downside of ASC Warranty. Most other third-party warranty companies offer instant quotes that reduce the time and paperwork you’ll go through when finding a rate. With ASC Warranty, on the other hand, you’ll have to deal with a salesperson at a specific car dealership.
Claims servicing is one of the company’s major strengths, according to ASC Warranty reviews. We found that many customers emphasized how easy and efficient the provider’s claims process was. While you don’t have many options when it comes to purchasing a contract or getting a quote, you can easily file a claim online or over the phone with ASC Warranty.
Filing a claim with ASC Warranty is a relatively simple process:
If you need assistance at any point in the process, contact the ASC Warranty claims department either online or over the phone. The car warranty company also offers an online chat feature. When we shopped anonymously for an ASC Warranty, we found representatives to be helpful and friendly over the chat.
ASC Warranty currently has an A+ rating and accreditation from the BBB, but the company’s reviews from customers are most impressive. While low ratings are somewhat common for the warranty industry, ASC Warranty received a near-perfect score of 4.9 out of 5.0 stars from over 150 customers.
Most of the reviews we read for ASC Warranty reported positive customer experiences. These reviews typically mention hassle-free claims processes, helpful service from company representatives, or both.
The following quotes are indicative of many positive ASC Warranty reviews:
“Although I didn’t have direct contact with ASC, the shop that did the work said it was a smooth transaction. ASC seems to be a pleasant and reliable company to do business with. Would recommend them.” – Dan K. via BBB
“I needed a new engine and almost forgot I had purchased this warranty. They were professional and friendly. In just about 24 hours they had processed my claim and the dealership was ordering parts.” – Mary W. via BBB
We didn’t find many negative reviews for ASC Warranty, but the ones we ran into brought up issues with certain repairs not being authorized.
The quotes below reflect the sentiment of many of these reviews:
“With less than 800 miles since purchase a seal where the coolant line goes into the turbo started leaking. ASC claims they cover seals but not lines and refuse to cover any of the repairs.” – Shawn U. via BBB
“We purchased this warranty for a used vehicle that we purchased and every issue that arose with the vehicle, ASC declined coverage.” – Eva T. via BBB
ASC Warranty appears to be a strong extended warranty provider overall. The company offers four plans with generous and thoughtful coverage, and reviews for its customer service are overwhelmingly positive. Many customers also report a fast and easy claims process.
However, not being able to buy a plan or get a quote directly from the company is a major drawback. Visiting or even calling a dealership takes time and can be stressful for some people. Filing claims with ASC Warranty seems to be a hassle-free experience, but getting coverage in the first place may be a bit of a challenge.
If you’re considering ASC Warranty, you may want to ask for quotes from other providers first. That way, you’ll have points of comparison when you do talk to a salesperson at the dealership.
Even if ASC Warranty seems like the right provider for you, it’s always a good idea to do some comparison shopping. Unlike ASC, most providers offer instant and free quotes on their website. We recommend getting estimates from at least a few reputable car warranty companies.
With the highest score in our most recent warranty study, Endurance earned the award for Best Overall. Most providers in our study use a third-party administrator to service their contracts. Endurance is instead a direct provider, meaning that it services its own extended warranties. The result is typically higher levels of customer satisfaction.
Keep reading: Endurance warranty review
CarShield is worth a look for anyone searching for affordable extended warranty coverage for their vehicle. The company has some of the lowest monthly rates of the providers we researched for our study. Customers also have six coverage options to choose from with CarShield, including a plan for your vehicle’s navigation system and other electronics.
Keep reading: CarShield review
Drivers with older vehicles often turn to CARCHEX for its generous coverage lengths, which can reach up to 10 years or 250,000 miles. The company has five extended warranty options that span from basic powertrain coverage up to a bumper-to-bumper plan. CARCHEX isn’t the only warranty provider that protects old cars, but it’s one of the most well-regarded brands to do so.
Keep reading: CARCHEX review
What an ASC Warranty covers depends on the plan. The company offers four levels of coverage, ranging from a powertrain-plus plan to a bumper-to-bumper-style exclusionary plan.
ASC Warranty is a legitimate vehicle service contract provider. The company has been in business since 1986, making it one of the oldest companies in the industry. ASC also holds an A+ rating and accreditation from the BBB.
You can cancel your ASC Warranty at any time during your contract. If you cancel within 30 days, you’ll likely receive a full refund. When you cancel after 30 days, you’ll get a prorated refund based on how much time is left on your contract.
A seven-year extended warranty may be worth it for some car owners. In addition to potentially covering the cost of repairs, vehicle warranties offer peace of mind for owners who don’t want to run into surprise repair bills. Some people may also prefer regular monthly payments over occasionally having to cover large expenses.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.
*Data accurate at time of publication.
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