Review of autopom! Extended Vehicle Warranty

By: Matt | Last updated July 29, 2019
review autopom! extended car warranty man holding red and gray toy cars in hands

Extended vehicle warranties are important for car owners to be able to have the peace of mind that they will be able to pay for future car repairs. The service of autopom! ensures that users will be able to pay for these expensive and unexpected repairs with their reliable coverage and affordable rates.

The service of autopom! is proven to be one of the most generous in terms of coverage for your vehicle. They have about 21 plans that have affordable prices for each mile covered. The quoting process for the service is also fast and reliable.

Not to be confused for an insurance company, autopom! is a warranty provider that has been operating ever since 2009. They can help lessen the cost of fixing your vehicle in case of a breakdown. They have licensed insurance agents that can guide through the process of registration. They can cover new cars and pre-owned vehicles with up to 200,000 miles along with deductibles that range from 0$ to $500.

What is a Vehicle Protection Plan?

A Vehicle Protection Plan is a type of breakdown insurance that is used for vehicles. It is also referred to as “Extended Warranty”. It provides repair coverage for sudden mechanical breakdown that typically occur after the expiration of the manufacturer warranty. Depending on the coverage and the specific policy that a user subscribes to, the full vehicle or only specific parts of it will be included in the compensation.

Types of Extended Car Warranties

Currently, autopom! offers three types of extended car warranties which you can choose from depending on their coverage, costs, and other factors. These includes:

  • Powertrain warranty: This type of warranty gives you insurance for the most essential and basic parts of the car. The parts that may be included in the policy include transmission, engine, and other major parts.
  • Stated Component Warranty: This type of warranty offers medium coverage which means that most major and some minor parts will be covered by the warranty. This is recommended for those who would like to cover more parts of their vehicle but don’t want to invest in full coverage. The policies for Stated Component Warranties offer different levels of coverage depending on the company administering the insurance.
  • Exclusionary Warranty: This type of warranty is the closes one to a manufacturer’s warranty. It is also called sometimes as bumper-to-bumper coverage. This means that most of the parts of the vehicle will be included in the coverage. This is mostly advised for newer vehicles which haveless mileage. This is recommended for those who want full coverage for their vehicles.

Coverage

The service of autopom! is available for both new and pre-owned vehicles. You can also apply for vehicles that are under the manufacturer’s warranty. Their website states that they have contract administrators that are rated “A+” by Better Business Bureau. This shows that they are trustworthy and reliable with their contracts. They have four vehicle protection plans. This includes Powertrain-Plus, Mid-Level, High-Level, and Exclusionary. Those that have Mechanical Breakdown Insurance are only available in some states.

Exclusionary plans

These plans are the closest warranty to a manufacturer’s warranty. This is because all mechanical and electrical components in your vehicle may be included in the coverage. Only parts that are not listed will be not included in the coverage. This is the most comprehensive coverage.

They have 6 types of policies for Exclusionary plans. The contracts that offer coverage for these are written on their website. These include:

  • FG Ultimate– This plan gives you coverage for 7 years or 150,000 miles. It is administered by EFG companies. This plan is available for most states. As stated in the contract, the coverage for this plan ends when (1) the term of your coverage expires as measured from Contract Purchase Date, (2) when the mileage for the vehicle reaches the limit.
  • Mercury Ultimate – This plan gives you coverage for 7 years or 105,000 miles. It is administered by the Mercury Select Management Company. This plan is available formost states. The contract gives three types of coverage including Ultimate Coverage, Deluxe Coverage, and Select Coverage. You can also choose to add Additional Coverage.
  • Royal Ultimate– This plan gives you coverage for 7 years or 100,000 miles. It is administered by the Royal Administration. This plan is available for most states. The Primary Coverage plan gives you coverage for Engine, Automatic or Standard Transmission and Transfer Case, Differential Assembly (Front and Rear), Drive Axle (Front and Rear), and Seals and Gaskets. Primary add-on options also include Engine/Transmission, Electrical/Steering, Air Conditioner/Brakes, Preferred Engine, Preferred Automatic or Standard Transmission and Transfer Case, Steering, and others.
  • UCC Paramount– This plan gives you coverage for 8 years or 136,000 miles. It is administered by United Car Care. This plan is available for most states. Coverage includes Engine, Transmission, Transfer Case, Drive Axle, Suspension, Steering, Brakes, Electrical, Air Conditioning/Heating, Engine Cooling, Fuel, Emissions, High Tech, Luxury Electronics Package, and Seals and Gaskets
  • Mercury Platinum MBI– This plan gives you coverage for 7 years or 100,000 miles. It is administered by Mercury Select Management Company. It is only available in California.
  • Royal Elite Plus MBI – This plan gives you coverage for 6 years or 100,000 miles. It is administered by Royal Administration. It is only available in California.

High-level plans

The High-level plans are the affordable alternative to Exclusionary plans as they give coverage for the major components. This includes Seals and Gaskets, Fuel System, Cooling, Braking, Air Conditioning, Electrical, Steering, Drive Axle, Transfer Case, Transmission, and Engine.

They have 5 types of policies for High-level plans. The contracts that tell coverage for these are written on their website. These includes:

  • Mercury Deluxe– This plan gives you coverage for 7 years or 105,000 miles. It is administered by Mercury Select Management Company. It is available for most states.
  • Royal Premium– This plan gives you coverage for 7 years or 100,000 miles. It is administered by the Royal Administration. It is available for most states.
  • UCC Comprehensive– This plan gives you coverage for 7 years or 100,000 miles. It is administered by United Car Care. It is available for most states.
  • Mercury Gold MBI– This plan gives you coverage for 7 years or 100,000 miles. It is administered by Mercury Select Management Company. It is available only in California.
  • Royal Premium MBI– This plan gives you coverage for 6 years or 100,000 miles. It is administered by Royal Administration. It is available only in California.

Mid-level plans

These plans involve named-components in the Powertrain Plus plans. It also involves the additional components in Braking, Cooling, Fuel Delivery, Suspension, and Steering systems.

They have 4 types of policies for Mid-level plans. The contracts that tell coverage for these are written on their website. These includes:

  • EFG Deluxe– This plan gives you coverage for 5 years or 125,000 additional miles. It is administered by the Enterprise Financial Group. It is available for most states.
  • Royal Preferred– This plan gives you coverage for 7 years or 100,000 miles. It is administered by Royal Administration. It is available for most states.
  • Royal Standard MBI– This plan gives you coverage for 6 years or 100,000 miles. It is administered by Royal Administration. It is available only in California.
  • Mercury Silver MBI– This plan gives you coverage for 7 years or 100,000 miles. It is administered by the Mercury Select Management Company. It is available only in California.

Powertrain Plus plans

These plans have coverage for Differential, Drive Axle, Transfer Case, Transmission, and Engine Assembly. They also offer coverage for Fuel, Air Conditioning, and Electrical Systems.

They have 5 types of policies for Powertrain Plus plans. The contracts that tell coverage for these are written on their website. These includes:

  • Royal Centennial– This plan gives you coverage for 5 years or 100,000 additional miles. It is administered by Royal Administration. It is available for most states.
  • EFG Powertrain Choice– This plan gives you coverage for 5 years or 100,000 additional miles. It is administered by Enterprise Financial Group. It is available for most states.
  • UCC Powertrain Plus– This plan gives you coverage for 6 years or 75,000 additional miles. It is administered by United Car Care. It is available for most states.
  • Mercury Select– This plan gives you coverage for 3 years or 36,000 additional miles. It is administered by Mercury Select Management Company. It is available for most states.
  • Mercury Copper MBI– This plan gives you coverage for 3 years or 36,000 additional miles. It is administered by Mercury Select Management Company. It is available only in California. 

The services of autopom! offer MBI or Mechanical Breakdown Insurance and VSC or Vehicle Service Contracts depending on the requirements of your state. The quotes and eligibility of your vehicle may depend on your state. Not all vehicles will be included in the plan.

The service of autopom! offers a lot more contracts in comparison to its competitors. As seen in the conditions, some are only specific to the state of California.

It is recommended for users to avail for a Vehicle Protection Plan as it is best to ensure that enough money will be in hand in the case of a sudden mechanical failure. It is recommendable to avail for the service even while the vehicle is under warranty by the manufacturer because the price for the protection of vehicle decreases along with time. You may also become ineligible the longer you wait for your coverage. Vehicle protection plans are based on factors such as age and mileage.

Cost

The final cost for having an extended car warranty will still depend upon the unique factors for each user. Factors that may be reviewed include year, model, mileage, state of residence and others. You may contact the service directly or visit their website to get a free quote. This can be the start of your subscription to their service as a brochure, sample policy, or contract can be sent to your email after contacting them.

It is advised to add MBI or to pursue an independent contractor for your extended warranty in comparison to availing one from a car dealership. This is because they are more cost-effective and transparent when it comes to their coverage. Aside from this, most car warranty and vehicle service contracts require their users to pay for the warranty upfront. This makes it harder for them to avail the extended warranty. The service of autopom! allows users to be able to pay for the extended warranty within a schedule. This makes it more convenient to avail of their services.

Benefits of using autopom!

The extended car warranty for autopom! has a lot of benefits for its users.

For starters, users can choose their repair shop. This means that trustworthy services that have long been tested by customers can be chosen to be your repair shop of choice. This prevents you from being forced to conform to their service’s choices.

They also offer rental vehicle assistance. While your vehicle is being repaired, you will be given monetary assistance for you to be able to rent a vehicle. There are terms and conditions for each plan which are stated in the agreement terms.

The warranty for autopom! also promises affordable payment plans that are interest-free. This makes it easier to extend your car warranty as long as it is within your budget.

The warranty for autopom! also has Nationwide Breakdown Coverage. Those living in the United States or Canada can have coverage for their broken vehicle in any licensed repair facility. They also offer 24-hour roadside assistance so that any sudden emergencies can be immediately responded to. This includes the need for a tow or if your car suddenly doesn’t start. They have a toll-free 800 number.

You are also entitled to a 30-day money-back guarantee if you are not satisfied with their service. You can receive a full refund as long as it is within the period.

The service of autopom! is regulated by the Federal Trade Commission to ensure that specific laws and regulations which vary by the state are being followed. The service of autopom! states on their website that they abide by the rules of the commission by ensuring financial stability and the capability to meet claim obligations.

Pros of using autopom!

The warranty for autopom! promotes a personalized approach for its sales. According to their website, they prefer a more casual approach that prevents its salespeople from being too pushy.

They are also represented by “A+” providers and administrators that give its users the best plan according to their budget and their needs. This makes it easier for you to be more flexible when it comes to choosing a warranty that can fit both your car’s requirements and your budgets. They are also accredited by the BBB with an A+ rating.

They also have a dedicated Vehicle Protection Plan specialist who can help you in all your needs throughout the term of our contract. You can immediately contact them for any claim dispositions and any concerns related to the contract.

According to their website, they have coverage in California that can cover car models up to 10 years and up to a mileage of 120,000 miles. They also offer Mechanical Breakdown Insurance in Oregon and Idaho. In other states, the coverage can go as far as 15 years and up to 200,000 miles.

Features of autopom! Extended Car Warranty

The service of autopom! promotes itself to be focused on giving its users the “peace of mind” for the future costs of a possible mechanical breakdown. Because of this, the service’s features all intent on giving affordable and convenient options for its users to have their vehicles better prepared.

  1. Repair coverage– The coverage of autopom! makes it easier for those who buy a new vehicle to be eased on the fact that they may have to pay instantly after. The extended car warranty allows its users to be able to cover the costs of having an emergency repair spread out in a way that is comfortable for their budget.
  2. Roadside Assistance– The service of autopom! is ready to assist its users 24/7. This is because sudden emergencies that may require towing and starting of your vehicle in the middle of the road need to be always available. Included in the service are towing, emergency fuel service, being locked out of your car, and other situations.
  3. Rental Car Assistance– The service of autopom! insures you if you need to use a rental vehicle while having your own fixed. This means that you will still be able to do your regular schedule without being interrupted while at the same time, having your rental fee insured. Some of their coverage plans allow up to 5 days of rental service reimbursement.
  4. Convenience for users– Because of the warranty, users are more confident of the payment for future vehicular breakdowns. Aside from having the individual parts of the vehicle insured, you can also be ensured that other services like towing and being locked out of the car will be included.
  5. Other features– Aside from offering you compensation for any mechanical breakdowns that your car may suffer, autopom! also offers more features. For starters, they have Tire Protection that can be seen in some of their plans. This gives more focus on the compensation in the case of damage for your tires. They also have Trip Interruption Reimbursement and convenient payment plans which can help make transactions with them more convenient for their users.

California Mechanical Insurance

Because of the state’s laws and policies, the coverage available for its residents is different compared to other states. Currently, there are two types of extended vehicle coverage/extended car warranties available in the states: Mechanical Breakdown Insurance (MBI) and the Vehicle Service Contract (VSC).

The service of autopom! proves itself reliable because they are regulated by the California Department of Insurance which ensures that they are to be trusted.

Vehicle Service Contract (VSC)

Extended warranty is divided into two. It is either a genuine manufacturer’s warranty or a re-selling one from a third-party. An MBI policy is to be trusted as they are reviewed by the California Department of Insurance while a Vehicle Service Contract may not be.

There are also two types of policies offered: the Named Exclusion and the Named Component. The Named Exclusion Policy is more comprehensive as it simply lists out all of the parts of the car that will not be covered by the insurance. This means that any other part of your vehicle not listed will be included in the insurance. Any unexpected damage or breakdown of these parts will be covered by the extended car warranty.

The named component policy, on the other hand, lists all of the parts of the vehicle that will be covered by the extended warranty. This may mean that there will be fewer parts of the car that will be covered by the extended warranty. On the other hand, this may be a good thing for those looking for more to save as the most important and most expensive parts of the vehicle may be chosen to be included in the extended warranty.

The service of autopom! claims to have more just and affordable pricing as it is regulated by the California Department of Insurance. This means that the rates and the prices of the extended warranty to be solved will be adjusted to the standards of the industry and will be of benefit to the customer. On the other hand, Vehicle Service Contracts which may be sold by a third-party are not regulated meaning that you may avail higher prices than necessary.

Is autopom! recommended?

The service of autopom! is best for those looking for a more affordable extended car warranty. This is because their rates are generally cheaper. They also have a payment schedule that is more convenient for their users. Aside from these, you are allowed to be able to choose a policy that best fits your needs and your budget. Those looking for more coverage and those looking to save more will be able to find a suitable policy.

By: Matt | Last updated July 29, 2019