Key Takeaways:
- Concord Auto Protect offers cheaper warranties when compared to providers like Endurance and CARCHEX, but lacks the experience of these providers.
- Endurance and CARCHEX offer more coverage options than Concord Auto Protect.
- Despite being new, Concord has a great customer satisfaction reputation on sites like the Better Business Bureau (BBB) and Trustpilot.
- It may be worth it to get a warranty from Concord if your car comes from an unreliable automaker brand, or is over 100,000 miles or 10 years.
How does an extended warranty from Concord Auto Protect stack up against the vehicle service contracts of other top warranty providers? To answer this question, our team of experts has put 1,475 hours into researching 46 independent warranty companies and surveying roughly 2,000 past customers.
In our extensive Concord Auto Protect review, we give the provider an overall rating of 4.2 out of 5.0 stars. We’ll take a deeper look into the company’s pros and cons – exploring Concord’s protection plans, customer reviews, and overall costs. We’ll also recommend some of the best extended car warranty companies that stack up against Concord.
Our Concord Auto Protect Warranty Review And Methodology
Concord Auto Protect provides fair coverage for vehicles with above-average benefits. The company is a direct provider of its vehicle service contracts, but isn’t backed by a separate insurance provider. While Concord is a very young warranty business, its positive customer reviews and generally-low prices make it a company worth considering if you’re thinking about getting extended coverage.
How We Rated The Concord Auto Protect Warranty
To give you the most current information, we update our review standards several times each year. Our warranty research evaluates providers across five key categories: customer service, transparency, cost, coverage, and industry standing. Each rating is out of 5.0 stars.
Industry Standing: 3.8 Stars
Concord Auto Protect gets an above-average overall rating for its industry standing. While the warranty company has good scores from business experts like the BBB, it’s still a relatively young company when compared to CARCHEX or Endurance.
Concord has a low complaint index with the BBB, but does have only a B rating, when many other providers have an A or A+ rating. Concord has also only been in the business since 2013, but its growing popularity has made it measurable against more experienced providers.
Coverage: 4.1 Stars
Concord offers three protection plans that are typically offered by most warranty providers: a comprehensive stated-component warranty, a mid-tier vehicle service contract, and a powertrain coverage plan. The warranty coverage is extensive and good, but there are less options at Concord than with other providers. For example, Endurance has six versatile coverage options and CARCHEX has five.
Cost: 4.6 Stars
What Concord Auto Protect lacks in experience and coverage options it more than makes up for in cost. Concord Auto Protect has some of the cheapest rates for extended warranties among our top providers. Compared to the cost of Endurance for example, a warranty from Concord with similar coverage for the same car and the same five-year contract will be roughly 54 percent cheaper.
Transparency: 4.5 Stars
While Concord’s website does showcase sample contracts, these aren’t available on the protection plan page and are difficult to find. Concord also doesn’t reveal the mileage-and-term limits of its warranties. However, the company does display long lists of covered components for each of its protection plans, giving car owners a good idea of what will be covered.
On top of this, Concord has several pages that routinely inform car owners about the company’s offered benefits, such as its 30-day money-back guarantee, its contract transferability, its 24-hour year-long roadside assistance program, and more.
Customer Service: 4.3 Stars
Concord gets a high customer satisfaction rating from us for its mostly-positive reviews across rating sites like the BBB and Trustpilot. On Trustpilot, it has 3.4 stars out of 5.0, which is relatively average. But 86 percent of the 300+ customers that reviewed Concord gave the company 5.0 stars.
On the BBB, the customer rating is 4.2 out of 5.0. A rating this high is less common for warranty companies. While Concord has positive customer reviews and strong satisfaction ratings across multiple sites, it doesn’t have many reviews when compared to other providers. This is why our customer service rating for Concord isn’t higher.
Is A Concord Auto Protect Warranty Worth It?
In March 2022, our team conducted a survey for car owners that bought extended warranties in the past. Of the 1,000 respondents to the survey, less than one percent had an extended warranty from Concord Auto Protect. This has less to do with Concord’s level of quality than it does the fact that other providers have more experience and recognition.
Here’s some notable information we got from the survey across all 1,000 respondents:
- Only 24 percent of car owners got their extended warranty from a third-party warranty provider like Concord. Over half got their extended warranty from their manufacturer.
- Nearly 70 percent of customers got their warranty when they purchased their vehicle.
- About 12 percent got their extended coverage after their factory warranty expired.
- 33 percent of customers got their extended warranty when their car had 50,000 miles to 100,000 miles on the odometer.
- 27 percent of customers experienced a mechanical breakdown once a year, while 23 percent had a mechanical failure every two years.
How Much Do Auto Repairs Cost?
According to RepairPal, an auto repair estimator site, the average cost of repairs is $652 per year across 32 automaker brands. To give you a ballpark idea of the costs you could pay out of pocket without an extended warranty, here are some common part replacements and their typical car repair prices:
Vehicle Component Replacement |
Average Repair Cost |
|---|---|
$395 to $438 |
|
$541 to $571 |
|
$610 to $796 |
|
$889 to $1,117 |
|
$1,122 to $1,217 |
How Reliable Is Your Vehicle?
If you drive a vehicle from a reliable automaker brand that makes quality parts that don’t malfunction from mechanical failure often, you’re less likely to need an extended warranty from Concord Auto Protect or anywhere else.
That in mind, the table below lists the top six most reliable car brands (with the least amount of mechanical failure issues). It also lists the least reliable auto brands, according to the J.D. Power 2022 U.S. Vehicle Dependability Study℠:
*Least reliable brands are labeled top to bottom from worst to better.
Concord Auto Protect Warranty Quick Facts
- Founded: June 2013
- Headquarters: King of Prussia, Pennsylvania
- Coverage options: Premium, Gold, Powertrain
- Coverage terms: Not listed on site
Concord Auto Protect has been in the warranty industry for nearly 10 years. Despite being very young, Concord’s popularity is growing every year. The company managed to score in our top points alongside warranty companies with over a decade of experience, such as Endurance, Carchex, and CarShield.
Is Concord Auto Protection Legit?
When shopping for an extended warranty provider, it’s important to know when you’ve found a reputable company that you can trust. As previously mentioned, Concord Auto Protect has many positive customer reviews and is fairly transparent with the protection plans it offers.
While Concord Auto Protect is a legitimate warranty company, it isn’t as experienced as other providers and isn’t accredited by the BBB. Concord Auto Protect is a direct provider, which means it isn’t the middleman between you and the contract administrator. It’s also not backed by a traditional insurer.
Concord Auto Protect Customer Reviews
Although Concord Auto Protect is not an accredited BBB member, it’s not hard to find a good number of glowing reviews on the ratings website. The same can be said for Trustpilot. Here are some snippets of recent positive reviews for Concord Auto Protect:
“So far, [I’m] happy with my warranty plan I purchased from Concord. The plan [makes it] easy to understand what’s covered … [and] the price was great.”
– Kristen O. via Trustpilot, May 2022
“I have been a customer of Concord Auto Protect for a few years now … I would recommend Concord for anyone looking for a warranty company. Because [the reps] are very clear on what is and is not covered by the warranty [and] they don’t try to hide anything from you.”
– Rod J. via BBB, October 2022
Concord Auto Protection Warranty Complaints
While Concord has a fair share of positive reviews, like all warranty companies, it isn’t without its complaints. Some customers have talked about Concord presenting misleading information or being difficult to contact:
“Extremely dissatisfied. … I left multiple messages and sent emails to the claims department and customer service and did not get a reply. This company misrepresents the coverage and does not act in good faith. Stay away.”
– Jim via Trustpilot, January 2023
“I have an auto warranty with Concord Auto Protect that [I’ve] been trying to cancel because I no longer have the vehicle. [I] spoke with a third-party answering service … [that] told me that someone from Concord will contact me. No one has contacted me from Concord.”
– Customer via BBB, July 2022
Concord Auto Protect Warranty Coverage
Concord Auto Protect offers three different protection plans to fit individual consumer vehicle and budget needs: Premium, Advanced, and Powertrain. We’ll go over what’s covered by each one below, but we recommend you do your own research, as each vehicle make and model has different needs when it comes to long-term coverage.
Concord Auto Protect Warranty Plans
Concord offers three main vehicle service contracts that cover specific ranges of items. Unlike most warranty providers, Concord does not offer bumper-to-bumper coverage. However, it does offer a warranty that covers the majority of items. Here’s a quick breakdown of the components that each Concord extended warranty covers:
| Vehicle Component | Premium Coverage | Advanced Coverage | Powertrain |
|---|---|---|---|
| Engine | ✓ | ✓ | ✓ |
| Transmission | ✓ | ✓ | ✓ |
| Drive axle | ✓ | ✓ | ✓ |
| Electrical | ✓ | ✓ | ✓ |
| Cooling | ✓ | ✓ | ✓ |
| Brakes | ✓ | ✓ | ✓ |
| AWD / 4x4 | ✓ | ✓ | |
| Steering | ✓ | ✓ | |
| Heating | ✓ | ||
| Air conditioning | ✓ | ||
| Fuel system | ✓ | ||
| Anti-lock brakes | ✓ | ||
| Hi-tech electronics | ✓ | ||
| Turbo / Supercharger | ✓ | ||
| Rear suspension | ✓ | ||
| Front suspension | ✓ |
Concord Auto Protect Warranty Benefits
Concord Auto Protect provides customers with some additional services in the event of a vehicle breakdown. Even though most of the following are somewhat standard for extended warranty policies, they’re very good to have and add to that peace of mind most customers want with any coverage:
- 24-hr roadside assistance for 365 days per year
- Full transferability of coverage from the original warranty holder
- 30-day money-back guarantee
- Pro-rated refund if you cancel after 30 days
- Towing services to the nearest certified facility
- Insured car parts
- Repairs at any repair facility certified by the National Institute for Automotive Service Excellence® (ASE).
What Does The Concord Auto Protection Warranty Not Cover?
Since none of the plans offered by Concord Auto Protect include bumper-to-bumper coverage, many parts of your vehicle aren’t covered. We recommend thoroughly reading your contract before signing on the dotted line.
The list below showcases some of the repairs and parts not covered under the Concord Auto Protect extended warranty plans. These exclusions are actually very common across most warranty providers:
- Routine maintenance services, like oil changes
- Tire repairs or replacements
- Damages from rust, water, or environmental acts of nature
- Broken, chipped, or scratched window glass
- Items that naturally wear out with regular use, like filters and brake pads
- Fluids (unless they’re necessary as part of a covered repair)
Who Performs The Repairs?
While the website repeatedly asserts customers can choose any dealer, repair shop or local mechanic to perform the claim repair, the Concord Auto Protect policy itself states that the facility must have at least one ASE-certified technician on staff.
Concord Auto Protect recommends you contact your car repair facility of choice prior to purchasing one of its plans if you’re worried the facility won’t accept Concord’s coverage. If the shop initially says they won’t, Concord is willing to reach out directly to build a relationship with the repair facility before you even purchase your plan.
Concord Auto Protection Warranty Cost
The cost of an extended warranty from any provider varies significantly between car owners. This is partially because extended warranty contracts are governed by state regulations. Mostly, it has to do with the car’s mileage, make, model, and age as well as the coverage plan that a car owner chooses.
How Much Does A Concord Auto Protect Warranty Cost?
Extended warranties typically fall in the total cost range of $1,500 to $4,000, but since Concord is a newer company, prices can be lower . To give you an idea of ballpark costs, our reviews team reached out to get a few 2023 quotes on a few different 2017 vehicles–all with protection plans lasting 5 years/60,000 miles with $100 deductibles.
| Vehicle | Vehicle’s Current Mileage | Concord Auto Protect Warranty Plan | Monthly Payment | Total Cost |
|---|---|---|---|---|
| Honda CR-V | 45,000 miles | Premium | $44.02 | $1,584.72 |
| Chevrolet Silverado | 50,000 miles | Premium | $53.00 | $1,908.00 |
| Honda CR-V | 100,000 miles | Advanced | $48.60 | $1,749.60 |
| Honda CR-V | 120,000 miles | Powertrain | $48.60 | $1,749.60 |
While the Premium plan for the Honda CR-V rolls out to $1,584.72, at Endurance, a warranty with similar coverage for the same car and same contract length would be $3,420 total, according to our collected quotes. At CARCHEX for a six-year contract, it would be $3,281. Concord doesn’t have as much experience or as many coverage options as CARCHEX, CarShield, or Endurance, but it does have significantly cheaper prices.
It’s important to get a quote to know for sure what you’ll be paying to protect your vehicle. Your cost will likely vary from these quotes. If your current vehicle is close to 100,000 miles or past it, it may be worth it to get a powertrain warranty from Concord, since powertrain warranties cover the expensive vehicle components that often fail at this mileage, like the engine or transmission.
Concord Auto Protection Extended Warranty Reviews: Conclusion
Our team rates Concord Auto Protect at 4.2 out of 5.0 stars and names it the Best for Luxury Cars. The extended warranty company is a direct provider with low rates and three choices for coverage. Costs can vary significantly, so it’s best to get a direct quote from the provider.
Car Warranty Companies Like Concord Auto Protect
Concord Auto Protect is a fair warranty company for its age, but if you’re looking for a provider with more experience and more coverage options, our experts recommend Endurance and CARCHEX.
Endurance: 4.6 Stars
Endurance is our highest-rated recommended third-party provider for several reasons. On top of its six versatile coverage plans, Endurance can offer you one free year of special Endurance Elite benefits, which gives you up to $500 in collision discounts, up to $1,000 in total loss replacement coverage, and more.
Keep reading: Endurance Warranty review
CARCHEX: 4.4 Stars
CARCHEX is one of the highest competitors in the warranty industry for its two decades of experience. As a warranty broker, CARCHEX gives you five coverage tiers to choose from, each of which contain their own contracts from other top warranty providers. CARCHEX has been recommended by automotive industry experts like CARFAX and Kelley Blue Book.
Keep reading: CARCHEX eview
Compare providers: Endurance vs. CARCHEX
Concord Auto Protect Car Warranty Reviews: FAQ
Below are some common frequently asked questions about Concord Auto Protect extended warranties: