Subaru Crosstrek and XV Forums banner

Extended Warranty Recommendations?

1 reading
1.1K views 13 replies 9 participants last post by  CappyC  
#1 · (Edited)
After installing a few aftermarket mods to my CTW, I thought an extended warranty is probably worth it considering all the tech packed into these.

I called around to a pair of dealers in the Denver area, and both would only offer warranties from Safeguard "backed by Subaru"—wouldn't even quote me Subaru Gold coverage. Is this standard practice? If so, are there any third-party recommendations with competitive pricing in the Denver/CO area? Would really really prefer to stick with Subaru of America's own recommendations here for Gold Plus... if it even exists.
 
#2 ·
The dealers will tell you these are Tech. heavy, while they only want to see you over priced insurance. I'm on my second
Crosstrek and haven't had problems. I previously had an Impreza without problems.
 
  • Like
Reactions: samsvoc and sheldon
#6 · (Edited)
I paid $2680 for the Subaru Extended Service agreement.
Put that amount of money in an interest bearing account of your choice. Consider yourself 'self insured'. If you never need it, you will still get your money back.
You drive in the real mountains, I would call that 'severe' even if you don't go off road. Follow the Severe Service Maintenance schedule in the Maintenance and Warranty book, the Warranty section specifically. Verify your local dealerships on dealerrater.com, you may need to find a more qualified independent Subaru repair shop. Refer to this and the other Subaru Forums, there is lots of great information.
Changing the engine oil and filter every 3k miles per the Warranty book, implies to me that Certified Subaru engine oil isn't all that great. Use a quality synthetic brand of engine oil and change it every 6k miles. I use Amsoil Signature engine oil. You will probably want to use 0W-20 oil since it tends to get really cold in the Winter. Tends to get really hot also, been there.
 
#7 · (Edited)
Recently, I had a long discussion here about the Extended Warranty and pricing not even than long ago. Good reading so I will toss it in this thread:


If you can get the warranty for around $2k (around actual dealer cost, and good luck with that) then I would likely jump on it.
Anything higher and your honestly better off going self insured and stashing the money in a CD or something.

The Extended warranty does NOT start after the factory - it runs concurrent, which is an absolute crock anyway...At least Honda Powersports gives you 5 yrs AFTER the main 3yr factory warranty is over. Running concurrent doesnt make any sense to me. They 'claim' they discount the warranty due to that but come on..does anyone actually believe what a dealer claims?

Think about that. A 5yr extended warranty is technically ONLY a 2yr warranty after the main factory warranty.

$2k-4K for an extended warranty thats only just 2yrs??

-Hanadarko
 
#8 ·
Just spoke with another dealership. Here were their quotes...

5 years or 60k miles
$0 Deductible: 2,520
$100 Deductible: 2,410

8 years or 80k miles:
$0 Deductible: 3,470
$100 Deductible: 3,230

10 years or 100k miles:
$0 Deductible: 4,220
$100 Deductible: 3,980

I know there's been some price increases, but these feel laughably high.
 
#9 ·
Wow, those are high. That 10yr, 100K, $0 deductible is about $1800 more than I paid in March. I know there are variations between dealers and in different geographic regions, but that makes me wonder if there has been a systemic large price increase throughout the system.
 
#10 ·
When we bought ours, the rep said you can buy it any time up to the 3/36 expiry. However, after you drive off the lot, the price goes up. Makes sense since they’d have less time to make money off your money before they might be on the hook for a claim.

Another “feature” they touted was that you could roll the extended warranty cost into your car loan. Yes, borrow money to pay for it. They make money on the extended warranty and on the commission on your car loan to pay for it. We consumers are our own worst enemy.
 
#11 ·
I guess what I am wondering is if Subaru is raising the price of its extended warranties to account for the probability or likelihood that car part prices could be impacted by the new import/export tariffs. I have little knowledge about foreign trade economics or the auto parts industry but it seems like lots of people who work in that sector think that auto parts pricing will be heavily impacted. Based on that possibility, could it be the case that Subaru is building higher future maintenance and repair costs into the pricing for its extended warranties?

For the record, I have zero idea if that is really happening. Just wondering ....
 
#12 ·
impacted by the new import/export tariffs
Possibly, and that would be prudent given the spin-the-dial nature of what’s going on. On the other hand, these warranty companies are betting heavily they will never have to replace a part (mild hyperbole) so tariffs would be irrelevant. If they actually thought they’d ever be shelling out big money for truckloads of replacement parts tariffs or not, they’d never offer the warranty In the first place.
 
#14 ·
When I bought my 2019 I specifically asked my dealership about buying a Subaru factory warranty after the purchase and was told instantly that Subaru Factory warranties are only available if purchased at the time of sale of the vehicle. Then my local dealership told me the same exact thing also. Don't know if that's still the case but it was at the time I bought.