Jeep Extended Warranty Options
Delving into the extended warranty plans for protecting your Jeep
A Jeep is one of the few cars people buy for driving in less-than-stellar conditions. In fact, rocky terrain or a wide-open beach is something to seek out when you're in your Jeep Wrangler with the windows down and the music playing. While owning a Jeep may be a ton of fun for you when you’re behind the wheel, the components and mechanisms that make up your vehicle may not be sharing in the joy of the experience.
That’s why it’s vital to ensure your Jeep and your wallet are both protected in the event that a breakdown does occur. Every new Jeep comes with a factory warranty, but that protection runs out quicker than you think. Dedicated Jeep owners who want to keep their relationship with their car going strong need to be proactive about securing other means of extended coverage.
Fortunately, there are a few choices on the market for Jeep owners looking to extended warranty coverage. Jeep does offer its own branded extended service contract to consumers. However, there are also third-party extended warranty solutions that offer comparable service and coverage with more flexibility.
Let's explore these coverage options, starting with Jeep's dealer-issued warranty.
Jeep Dealer Vehicle Protection extended coverage
Jeep dealers are able to offer two different extended vehicle protection plans for Jeep owners to choose from. The basic package covers some 800 engine components, while the premium package extends coverage to more than 5,000 parts and systems on the vehicle. Both plans extend your Jeep’s original factory warranty for 8 years or 125,000 miles.
Moreover, unlike most manufacturers, Jeep offers a lifetime extended warranty option for both of their plans. However, note that only the original car owner is eligible for this plan.
Additional benefits include:
- Varying term options up to 8 years/125,000 miles
- On option for lifetime coverage
- $200, $100, and $0 deductible levels
- Factory-trained technicians
- Manufacturer-certified parts
- Access to participating dealerships throughout North America.
- Transferable contract
- Backed by FCA
Limitations of Jeep Branded Vehicle Protection plans
Like most extended coverage options offered by dealers and manufacturers, Mopar Vehicle Protection carries some significant limitations:
- Jeep’s branded vehicle protection may run concurrently with your factory warranty: Let’s say you opt for the premium plan for 8 years/125,000 miles at the time you purchase your Jeep, which also comes with a 3-year/36,000-mile warranty. These two coverage plans may overlap. Jeep won’t wait for your factory warranty to expire before counting the extended care plan; both start the moment you drive off the lot. So, while you're paying for 8 years/125,000 miles of extended protection, you're actually only getting 5 years/89,000 miles.
- Limited parts coverage: To be eligible for coverage, repair parts may have to be original to your vehicle or certified by Jeep.
- Limited eligibility to purchase plans: Strict eligibility requirements may have to be met in order to purchase one of Jeep’s own extended coverage plans. Contact your local Jeep dealer for more information.
Third-party Jeep Vehicle Service Contracts
If you're looking to extend coverage on your Jeep past your factory warranty, a dealer-issued extended protection plan isn't the only option. An alternative choice for protection is a Vehicle Service Contract (VSC). A VSC is a policy from an independent, third-party provider to pay for covered repairs and breakdowns—this includes parts, labor, and taxes—if and when your vehicle requires them.
How is a Vehicle Service Contract different from Jeep’s Vehicle Protection Plans?
Both a VSC and Jeep’s own plan help to pay for covered breakdowns against your vehicle. But that doesn't mean the two coverage options are totally identical. A VSC differs from Jeep’s plan in the following ways:
- VSCs are not affiliated with FCA or Jeep. VSCs are offered by independent, third-party providers.
- VSCs can be purchased at any time. This is in stark contrast to most manufacturer extended coverage plans, which may come with ample eligibility restrictions.
- VSCs offer greater contract flexibility. Whereas Jeep’s extended vehicle protection plans may lock you in for a set time-period or mileage number, VSCs like those offered by Toco Warranty are pay-as-you-go and can be canceled any time.
- VSCs offer a much larger network of approved mechanics. For a Jeep extended warranty to apply, you must take your car to an authorized Jeep or FCA-approved dealership. With a VSC, however, you can visit any licensed repair shop nationwide and still be eligible for coverage.
Benefits of a Vehicle Service Contract for your Jeep
If you're in the market for extended auto breakdown coverage, going with a VSC like one offered by Toco can be a smart choice, with benefits like the following:
- Affordability. Low monthly payments and $0 down.
- Contract flexibility. Pay-as-you-go plans that can be canceled or transferred at any time.
- Nationwide repair facilities. The ability to bring your car to any licensed repair shop nationwide.
- Simple claims process. Entire claims process handled in-house, including administration and payment.
VSCs also often offer additional benefits outside of just helping pay for covered fixes and repairs to your Jeep, including:
- 24-hour roadside assistance
- Trip interruption coverage
- Discounts on rental cars
- Discounts on hotel stays
Simple Claims Process
24-hour roadside assistance
No Down Payment
Low monthly payments
Ability to choose from a broad national network of repair shops
Ability to cancel coverage at any time
At a glance: Repair costs with and without a Vehicle Service Contract
Let's take a look at common Jeep Wrangler repair costs with and without a Toco VSC:
|Issue Type||Uncovered Cost||Toco VSC Cost|
|Fuel Pump||$415 - $690||$100|
|Alternator||$355 - $490||$100|
|Clutch Slave Cylinder||$180 - $200||$100|
|Brake Caliper||$275 - $450||$100|
|Brake Rotors/Discs||$195 - $25||$100|
|CV Axle/Shaft Assembly||$315 - $1,330||$100|
|Brake Pad||$195 - $255||$100|
Now that's a big difference! While perhaps one or two repairs may not add up to a lot, consider that most people buy and own a car for the long haul—which means collective repair and fix costs are almost certain to climb into high four digits.
That is, unless you protect yourself and your Jeep with a quality VSC.
Consider a Vehicle Service Contract with Toco Warranty
If your Jeep factory warranty is about to expire or has already expired, now is the time to explore extended coverage options.
While Jeep’s own protection plans may offer a range of benefits, they restrict consumers when it comes to term limits, repair shop options, and coverage for parts.
A Vehicle Service Contract offers the same range of coverage as Jeep’s, but with additional benefits, greater contract flexibility (like the ability to purchase and cancel at any time) and greater repair shop flexibility as well.
Get a free Toco Warranty quote today to explore your extended coverage options for your Jeep.
Jeep is not affiliated with Toco Warranty Corp. and has not endorsed Toco Warranty products and services.