CarvanaCare has rapidly gained attention as an extended warranty option for car buyers who purchase through Carvana’s online marketplace. Acting as a safeguard for potential repair costs, CarvanaCare promises coverage for various components, roadside assistance, and other benefits. But is CarvanaCare worth it? This article takes a closer look at its offerings, costs, customer reviews, and overall value to help you decide whether it’s the right choice for protecting your vehicle investment.
What Is CarvanaCare, and How Does It Work?
CarvanaCare is an optional extended vehicle service plan offered exclusively to those who buy cars from Carvana. Administered by SilverRock, a third-party company, CarvanaCare provides additional vehicle protection after the standard 100-day limited warranty ends. For eligible vehicles, buyers can choose from three tiers of coverage—Essential, Plus, and Premier—each designed to address different needs and budgets.
CarvanaCare focuses on covering unexpected repairs for mechanical and electrical issues, making it an attractive option for buyers looking for peace of mind. Coverage begins the day ownership is transferred and remains valid for the chosen term or until reaching a mileage limit stated in the agreement.
Key Features of CarvanaCare
- Zero deductible at approved repair shops.
- Roadside assistance, including towing, jump starts, and lockout services.
- Rental car reimbursements for covered repairs.
- Three levels of custom coverage to fit varying needs.
Is CarvanaCare Worth It? Breaking Down the Coverage
Many potential buyers wonder if CarvanaCare is worth the additional cost, and the answer depends heavily on individual needs and circumstances. Understanding the types of coverage offered under the Essential, Plus, and Premier plans is crucial for informed decision-making.
Essential Coverage
This is the most basic plan, targeting major mechanical components such as the engine and transmission. It’s ideal for owners seeking affordable coverage for essential repairs but does not extend to many other systems in the vehicle.
Plus Coverage
The Plus plan covers all essential components along with additional systems like steering, air conditioning, heating, and exhaust. For many drivers, this middle-tier plan strikes a good balance between cost and a broader range of protections.
Premier Coverage
Premier represents the most comprehensive option, encompassing everything in the Essential and Plus plans while also covering cosmetic repairs, tire and wheel issues, and annual maintenance such as oil changes and tire rotations.
Exclusions
Unfortunately, is CarvanaCare worth it often boils down to understanding what isn’t covered. For instance, wear-and-tear parts like brake pads, windshield replacements, and air filters are not covered. Additionally, damage caused by misuse, pre-existing conditions, or lack of maintenance is excluded.
What Does CarvanaCare Cost? A Closer Look
When evaluating is CarvanaCare worth it, cost undoubtedly becomes a significant factor. The price of CarvanaCare varies based on the vehicle’s make, model, age, and mileage. Here are some example costs for different coverage levels as gathered from Carvana users:
| Vehicle | Mileage | Essential | Plus | Premier |
|---|---|---|---|---|
| 2019 Chevrolet Suburban LT | 59,281 | $2,650 | $4,100 | $4,650 |
| 2011 Toyota Tundra Double Cab | 90,581 | $1,750 | $2,200 | $2,550 |
| 2021 Mitsubishi Outlander | 32,195 | $1,500 | $2,050 | $2,500 |
Monthly installment options are available for many buyers, with an average reported cost of approximately $100 per month.
What Are Customers Saying?
Customer reviews play a vital role in determining is CarvanaCare worth it. Feedback on CarvanaCare is mixed, with praise highlighting ease of use, while criticism often points to poor service networks and slow claims processing.
Positive Experiences
Some users appreciate the zero-deductible benefit at in-network shops and the convenience of roadside assistance. One satisfied customer recounts how SilverRock swiftly facilitated an $840 repair for their Chrysler with minimal delays.
Negative Experiences
Many complaints center on claim denials, unhelpful repair shops, and the limited network of approved facilities in rural areas. For example, one reviewer shared their frustration when their car remained unrepaired for ten days due to delays in claim approval. Others criticized the quality of in-network repair facilities, noting that some weren’t equipped to handle major issues like engine repairs.
Pros and Cons of CarvanaCare
| Pros | Cons |
|---|---|
| $0 deductible at in-network repair shops | Not all vehicles or repairs are eligible |
| Includes emergency roadside assistance | Claims process can be slow and frustrating |
| Three customizable coverage tiers available | Weaker service network in rural areas |
| Rental car reimbursement for covered repairs | Exclusions include wear-and-tear items |
Is CarvanaCare Worth It? Final Verdict
The question is CarvanaCare worth it ultimately depends on your specific needs and circumstances as a car owner.
-
Great for You, If
You live near an approved repair network, drive a high-mileage vehicle, or lack emergency savings for unforeseen repairs. The zero deductible and roadside assistance could save you time and money in emergencies. -
Not Worth It, If
You expect comprehensive coverage for wear-and-tear components or live in a rural area with limited or no network repair shops. If you already hold a solid emergency fund, the extended warranty may not be cost-effective.
Future Considerations
Before committing to CarvanaCare, prospective buyers are advised to weigh its benefits against other extended warranty providers such as CARCHEX or autopom!, which offer greater transparency and often better customer experiences.
Concluding Thoughts
CarvanaCare caters to a niche group of buyers looking for added vehicle protection. While its benefits, such as no-deductible repairs and roadside coverage, are appealing, mixed reviews and coverage limitations mean that is CarvanaCare worth it cannot be answered universally. Research is key—read the details of any service plan, and carefully assess whether it aligns with your needs and budget before making a decision.
