What are the features of USAA Extended Vehicle Protection? Is it a good service?

By: Hailey | Last updated September 12, 2019
usaa extended vehicle protection cars in a row in parking lot features

Extended vehicle warranties are an important subscription which you can use to ensure that future repairs for your car will be compensated. Depending on the length of your contract, the parts covered, and the total agreement, there are several varieties for these services that can accommodate different budgets and models of car.

USAA Extended Vehicle Protection

The USAA Extended Vehicle Protection is one of the most known warranty providers. This is because they have been established since 1922. It markets itself to be a choice for those who have military family members. Aside from the extended warranty for cars, they also provide other services such as banking, real estate, and health insurance. However, a membership that can only be availed by those that are or has a parent that has served in the US military. 

Coverage available

All the coverage plans for USAA is available under the United Service Protection Corp. This makes it easy for any complaints to be immediately be answered as all the contracts that will be made will be under a single entity. The plans are as follows: a comprehensive plan, a plan exclusively for diesel vehicles, and a manufacturer wrap plan for standard vehicles. 

The comprehensive plan is the most complete plan that is guaranteed to cover almost all of the parts of your car. The manufacturer wrap plan is recommended for those looking for basic powertrain parts. 

To qualify for a plan, the car must not be older than 10 years. A limit of 115,000 miles is also implemented. Vehicles manufactured in Europe is also ineligible for a contract. 

The best thing about USAA is its generous reimbursement policy. For instance, it offers compensation for those that will be using a rental car while their actual vehicle is being repaired. This helps you get back to your usual schedule. Their reimbursement can give you up to $50 up to a maximum of $250. They also have a separate reimbursement for trip interruptions that cover meal and hotel rooms. The maximum allotted fee is $300.

Contract reading

An important but often overlooked plan of extended vehicle warranties is the actual contract. For one to be considered reliable and worthy of being bought, it must be readable and straight to the point once read by the customer.

Since the service only has three available contracts, their content isn’t different that much with each other. The formatting and the used words for each were readable and understandable by most. There were no attempts to confuse the customer into anything that might not look as bad with a face value, too. 

Quoting Process

The whole quoting process is only available for those that are members of the USAA. Given the limited choices that customers can avail, the process for quoting is much faster than other services. You can immediately generate full quotes for multiple vehicles in a short the period by just entering its details. A sales call is not necessary for you to purchase a plan. 

They also have a no deductible, no down payment policy. This is a good feature that avoids users from paying for deductibles on their repairs. 

Recommendation

The service is especially recommended for those who have served in the military or has an immediate family member who did. This is because they are specifically targeted towards these people. Aside from these, their coverage plans are all straightforward. The coverage given for those that will be using rental cars is also generous in comparison to other services. 

The only downside to their service is their limited coverage in terms of the manufacturer of the car and the allowed mileage. The limit for the age of the car may also be too restrictive. Aside from this, the necessity to be a member of the USAA may be a big hurdle for casual users which may want to avail of their services. 

By: Hailey | Last updated September 12, 2019