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CARCHEX vs Delta Auto Protect

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Pros
  • Five coverage levels
  • Choice of licensed repair facilities
  • 24/7 roadside assistance
  • Rental and trip interruption benefits
  • 30-day money-back guarantee
Pros
  • Affordable plans
  • Coverage for vehicles for up to 20 years
  • Direct provider
Cons
  • No published plan pricing
  • Claims handled by third-party administrators
  • Contract terms vary by administrator
  • Mixed customer feedback
Cons
  • Not available in every state
  • Unhelpful website
  • Doesn't accept new customers
Summary

Founded in 1999 and headquartered in Baltimore, Maryland, CARCHEX is a vehicle protection broker that connects customers with vehicle service contracts administered by third-party providers. Their current lineup includes five levels of coverage, ranging from basic Powertrain protection to the exclusionary Titanium plan, along with dedicated coverage for eligible electric vehicles. CARCHEX also offers access to licensed repair facilities and benefits such as towing, rental car reimbursement, and trip interruption coverage on eligible plans. The company has a long history in the extended warranty business and has received recognition, including multiple appearances on the Inc. 5000 list. Their Better Business Bureau profile currently carries an A+ rating, though CARCHEX is not BBB accredited. Customer feedback is mixed. Trustpilot currently lists a 3.2 out of 5 rating based on more than 1,500 customer reviews, while BBB customer ratings are considerably lower. This review looks deeper into CARCHEX’s plans, costs, contract terms, advantages, drawbacks, and customer experiences.

Summary

Delta Auto Protect was a nationwide extended auto warranty provider that pays for covered vehicle repairs in case of breakdown. However, the company shut down their website in 2020 and stopped accepting new customers. This was due to downsizing in staff, which was due to the COVID-19 pandemic.

Quick Stats
  • BBB Rating : A+ (Unaccredited)
  • Maximum Mileage : 250,000 miles
  • Money-Back Guarantee : Yes
  • Number of Plans Available : 5
  • Waiting Period : Varies by contract
  • Operating Status : Active
Quick Stats
  • BBB Rating : F
  • Maximum Mileage : 140,000
  • Money-Back Guarantee : 30-day money-back guarantee
  • Number of Plans Available : 3
  • Waiting Period : Undisclosed
  • Operating Status : Stopped accepting new customers since 2020
Selling Points
  • Multiple contract administrators
  • Dedicated electric vehicle coverage
  • Partnerships with CARFAX, Kelley Blue Book & RepairPal
  • Coverage options for vehicles over 100,000 miles
  • Coverage terms available for up to 10 years
Selling Points
  • Affordable plans
  • Coverage for vehicles for up to 20 years
  • Direct provider
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • —
    Undisclosed
    $0 deductible option
  • —
    Undisclosed
    Commercial/rideshare
  • —
    Undisclosed
    EV/hybrid components
  • —
    Undisclosed
    No waiting period
  • —
    Undisclosed
    Option with free maintenance benefits
  • —
    Undisclosed
    Transferable
Claims & Repair Experience
  • 24/7 roadside assistance
  • Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Mobile app for claims
  • Online claims portal
  • Trip interruption coverage
Claims & Repair Experience
  • —
    Undisclosed
    24/7 roadside assistance
  • —
    Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • —
    Undisclosed
    In-network repair network
  • —
    Undisclosed
    Mobile app for claims
  • —
    Undisclosed
    Online claims portal
  • —
    Undisclosed
    Trip interruption coverage
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • —
    Undisclosed
    24/7 customer support
  • Email
  • —
    Undisclosed
    FAQs / Educational resources
  • —
    Undisclosed
    Live Chat
  • —
    Undisclosed
    Mobile Application
  • —
    Undisclosed
    Online quote without phone
  • —
    Undisclosed
    Sample contracts online
Contract & Payment Terms
  • Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Cancellation fee
  • Multi-vehicle discount
  • Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
Contract & Payment Terms
  • —
    Undisclosed
    Contract (lump-sum) payments
  • —
    Undisclosed
    Pay-in-full discount
  • Month-to-month payments
  • —
    Undisclosed
    Cancellation fee
  • —
    Undisclosed
    Multi-vehicle discount
  • —
    Undisclosed
    Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees

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