Assurant First Extended Warranty Review
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As vehicles age, mechanical breakdowns become more likely, and an extended warranty could help you save money and frustration when it comes to repairs. Assurant’s First Extended warranty could be a good fit for you if you’re looking for extended vehicle service protection after your manufacturer’s warranty expires.
In this review, we explore the costs, coverage, ratings, and more details about the First Extended warranty program. If a First Extended warranty is not right for you, we’ll also recommend a couple of the industry’s best extended auto warranty providers, which could be a better fit.
You can use the buttons above to start comparing extended warranty quotes from our top recommended providers.
Pros | Offers comprehensive coverage plans backed by Assurant, an AM Best A-rated company. |
Cons | Coverage is sold exclusively through dealerships. |
Bottom Line | First Extended warranty services are administered by Assurant, and Assurant has a strong reputation for excellence among industry experts. |
Table of contents
First Extended Warranty Review: 3.0 Stars
If you find that a First Extended warranty is not the right fit for your vehicle protection needs, there are plenty of other reputable extended car warranty companies to choose from. Read on to learn more about two top-rated companies that can give you the ultimate peace of mind on the road.
First Extended Warranty Highlights
Overall Rating |
3.0 |
---|---|
Reputation |
3.4 |
Coverage |
3.2 |
Price |
See dealership |
Transparency |
3.0 |
Customer Service |
2.4 |
First Extended Service Corporation was acquired by Assurant in 2018, but the company’s namesake lives on through Assurant’s First Extended warranty plans. All services are now provided through Assurant, an AM Best A-rated insurance company. Assurant is headquartered in Chicago, Illinois, but underwrites extended service contracts across the U.S. and Canada.
A First Extended warranty could be for you if you are:
- Looking for a brokered warranty with a highly reliable insurance backer
- Buying a new car from a participating dealership
Assurant works exclusively with car dealerships to sell extended vehicle service contracts. First Extended warranty plans can protect your finances from the cost of unforeseen repairs in the event of a mechanical breakdown or defects in materials or workmanship.
First Extended Warranty Coverage
Here’s a breakdown of the six First Extended warranty plans:
First Extended Warranty Plan |
Coverage Details |
---|---|
Powertrain |
Covers the engine, transmission, front-wheel drive, rear-wheel drive, and select hybrid and electric vehicle (EV) components |
Base |
Covers everything in the Powertrain plan, plus the steering, front and rear suspension, brakes, seals and gaskets, electrical, air conditioning, and enhanced hybrid and EV components |
High-Tech |
Covers everything in the Base plan, plus high-tech components like sensors, instrument gauges, power seat motors, radiators, and more |
Comprehensive |
Covers high-tech systems, entertainment systems, safety and security components, and more |
High-Tech Wrap |
Covers everything in the High-Tech plan, minus the powertrain components |
Comprehensive Wrap |
Covers everything in the Comprehensive plan, plus adds coverage for powertrain components |
First Extended Warranty Benefits
First Extended warranty plans come with the following benefits:
- Roadside assistance: Provides up to $100 per occurrence for towing, lockouts, battery jump-starts, flat tire services, and water, fluid, oil, and fuel deliveries
- Rental car reimbursement: Reimburses up to $35 a day for a maximum of five days for substitute transportation while your car is in the shop for a covered repair
- Trip interruption reimbursement: Reimburses up to $200 per day for a maximum of five days for food and lodging expenses if your vehicle breaks down over 100 miles away from home
First Extended Warranty Exclusions
First Extended warranty plans do not cover all repairs. Some exclusions that will not be covered by your First Extended vehicle service contract include:
- Routine maintenance services
- Wear-and-tear items
- Glass parts and bulbs
- Aftermarket accessories and equipment
- Parts not installed by the manufacturer
- Other miscellaneous items
Be sure to consult your First Extended contract to learn the full limitations of your coverage. This is a crucial aspect of understanding your First Extended warranty.
First Extended Warranty Costs
To find out how much a First Extended warranty will cost you, call your local dealership and see if it sells First Extended warranties. Typically, an extended warranty costs anywhere from $600 to $1,000 per year of coverage. If you’re quoted a price that’s higher than this range, you’ll be better off with a plan from another aftermarket car warranty provider.
Quotes and Claims Processes
If you are a current customer looking to file a claim, contact Assurant. You can either call the company directly or go online and start a claim by entering your customer policy number or vehicle identification number (VIN) and last name.
First Extended Warranty Reviews and Ratings
However, the company has fielded over 1,200 complaints in the past three years and holds just a one-star rating from customers. Because Assurant is such a large company and offers many insurance products, from cell phone coverage to life insurance, these ratings should be taken with a grain of salt.
Top Recommendations for Extended Car Warranties
Endurance: Best Coverage
Endurance is our highest-rated extended car warranty company. It offers six levels of high-quality coverage that range from a basic powertrain plan to an exclusionary, bumper-to-bumper extended warranty.
Each Endurance plan comes with one year free of Elite Benefits. These benefits include:
- 24/7 roadside assistance
- Key fob replacement services
- Total loss protection
- Up to two tire repairs or replacements per year
- Collision discount
- Endurance mobile app
Find out more about why we recommend this provider in our full Endurance warranty review, and click the buttons below to find out how much you would pay for an Endurance contract.
CARCHEX: Best For Used Cars
CARCHEX has a strong reputation among experts in the extended warranty industry and partners with household-name companies like CARFAX, Edmunds.com, and Kelley Blue Book.
CARCHEX also offers customers five comprehensive coverage options, including automotive service contracts for high-mileage vehicles. All plans come with benefits including:
- 24/7 roadside assistance
- Towing reimbursement
- Rental car reimbursement
- Trip interruption expense reimbursement
Read more about this top provider in our CARCHEX review, and see how much a CARCHEX warranty would cost for your vehicle by getting a free quote.
Methodology
- Price: Comparing providers can be difficult due to the many factors that influence cost. To determine this score, we employ a secret shopper analysis using different vehicles, mileages, warranty plans, and locations.
- Coverage: A wide variety of coverage is essential to support the differing needs of customers. We take into account the number of extended car warranty plans available, term limits, exclusions, and additional benefits.
- Customer Service: The level of customer service and care provided by an extended warranty company is an important consideration. Our review team sifts through customer reviews and complaints from reputable sources such as the Better Business Bureau (BBB) and Trustpilot. We also consider the responsiveness of each company’s customer service team based on our secret shopper analysis.
- Reputation: Good extended warranty providers consistently provide quality experiences. Our team takes into account BBB ratings and the company’s history of reliable service when giving this score.
- Transparency: Customers value a commitment to open and honest communication when it comes to vehicle service contracts. Our team of experts takes into account the availability of money-back guarantees and sample contracts.
Stephen Kenney is a writer and editor who focuses on car insurance, auto financing, and vehicle shipping services. He's a graduate of UNC-Chapel Hill and has experience covering categories ranging from travel to sports to environmental sustainability. In his free time, Stephen enjoys going on long-distance runs, trying out new recipes, and exploring his adopted hometown of Cincinnati.
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