CarShield vs SilverRock

CarShield vs. SilverRock

SilverRock is a company that provides warranty products and whose parent company owns auto dealerships, including the online Carvana dealership. Both they and CarShield sell vehicle service contracts (VSCs) that extend your car’s warranty coverage. We will compare them to each other to help you decide which works best for you.

SilverRock directly administers its VSC services, whereas CarShield acts as a broker with third-party administrators like American Auto Shield, who provide contracts and handle claims. However, while CarShield accepts repairs at any licensed repair shop, SilverRock charges a higher deductible if you visit an out-of-network facility. CarShield also accepts higher-mileage vehicles.

CarShield has more plans to choose from than SilverRock. They offer eight plans in total, including typical inclusionary and exclusionary policies as well as those made for specialized vehicles or circumstances. Meanwhile, SilverRock offers only one inclusionary plan, the DriveCare protection plan, as well as a 30-day limited warranty plan that comes with a car purchase at their dealerships. CarShield’s coverage is much more comprehensive, varied, and flexible, whereas SilverRock only covers a limited amount of components over a pre-set period of time if your factory warranty does not. However, SilverRock’s warranty covers you immediately after purchase, and their optional plan is offered in California, while CarShield’s plans are not. 

Neither CarShield nor SilverRock share pricing information online, aside from how much you may pay for a deductible. You may take CarShield’s coverage on a monthly basis or for a certain contract period, for which monthly payment quotes usually fall in the $99.99 to $129.99 range. The cost can be higher or lower depending on your requirements, term period limits, and budget. There is no information on monthly costs for SilverRock’s protection plan, although from customer feedback online, we understand that the full contract price falls within the range of what you would pay for a CarShield plan. Their limited warranty, however, is included with the car purchase at no extra cost.

The online reputations of these companies present a mixed message. Both companies have low review scores on the Better Business Bureau, but where SilverRock is BBB-accredited, CarShield is not due to a dispute with them. There is a lot more feedback there for CarShield, and they tend to reply more thoroughly and professionally to complaints. Customer reviews for CarShield, including those on Trustpilot, paint a great picture and tout their helpful customer support, fast and reliable claims, and cost savings. We could not find customer reviews for SilverRock outside of BBB. Negative feedback for both providers involves claims being partially fulfilled or denied, frustrating refund experiences, and difficulties with cancellations. 

We think that SilverRock works best for their initial limited warranty at affiliated dealerships, which ensures you have coverage without the usual waiting period of third-party warranty plans. If you buy a car from them and plan to keep having it serviced at their network’s shops with low associated deductibles, then buying their optional VSC might make sense to you. Once that initial warranty expires, however, CarShield may have a lot more value for you with their various full-featured coverage options and the transparency of their services. 

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