Auto Warranty
Top Companies in 2026
MaxCare vs Omega Auto Care
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- Coverage similar to factory’s bumper-to-bumper warranty
- $1.5 billion+ in claims paid since 2009 (3.8M+ customers)
- 24/7 roadside assistance included
- Rental car reimbursement for up to 7 days
- Cancel anytime with a pro-rated refund
- Transferable to new owner (fee applies)
- Roll into monthly car payment or pay upfront
- All plans come with added benefits
- Transfer with flexibility
- Only available during a CarMax vehicle purchase, not after
- Independent shops may not accept MaxCare
- Pre-approval required for all repairs
- Maintenance items excluded (batteries, brakes, tires, wiper blades)
- Strict documentation requirements; DIY receipts often rejected
- Third-party administrators handle claims, not CarMax
- No online claims portal; phone support only
- No online quotes available
- Not available in every state
- Limited coverage plans
MaxCare is an extended vehicle service contract introduced by CarMax in 2009, available exclusively at the time of purchasing a vehicle through their dealership network. Unlike many third-party warranty providers that offer multiple plan tiers, MaxCare uses a single exclusionary coverage model, similar to a factory bumper-to-bumper warranty, covering most mechanical and electrical components except for a defined list of exclusions. Contracts are tailored to each vehicle, with coverage typically extending up to 75,000 to 150,000 total odometer miles. While CarMax facilitates the customer experience, the plans are administered by third-party providers such as Fidelity Warranty Services and CNA National Warranty Corporation. Key benefits include 24/7 roadside assistance, rental car reimbursement, transferable coverage, and flexible payment options, including rolling the cost into monthly financing. A $50 deductible discount is also offered when using CarMax service centers or RepairPal-certified shops. Customer feedback is mixed, with many reporting strong coverage for major repairs, while others cite delays, strict claim requirements, and challenges when working with independent repair facilities.
Omega Auto Care is a valued Florida-based company that offers vehicle service contracts (VSCs). Since 2017, the Better Business Bureau (BBB) has given them an A+ grade and accreditation. Their goal is to ensure that all of their customers have a smooth and effortless experience by having a website that is easy to use and provides great service.
A huge plus to Omega Auto Care's warranty is that they offer maintenance perks. While they don't offer many coverage options, their customer satisfaction is high, thanks to their excellent service and convenient maintenance plans. However, some customers have been upset about the time it takes to handle claims and get paid back. There have also been stories of cases being turned down because of small print in the warranty agreement that didn't cover the situation. Many customers have also been worried about the policy limits and fees' clarity.
- BBB Rating : N/R (A- for CarMax)
- Maximum Mileage : 150,000 miles (varies by plan)
- Money-Back Guarantee : Available (pro-rated refund; fee may apply
- Number of Plans Available : 1
- Waiting Period : None for coverage; 30 days/1,000 miles for pre-existing conditions
- Operating Status : Active
- Deductible Range : $50–$300
- BBB Rating : A+
- Maximum Mileage : 250,000 miles
- Money-Back Guarantee : 30-day money-back guarantee
- Number of Plans Available : 3
- Waiting Period : 30 Days
- Operating Status : Active
- $50 deductible discount at dealer’s service centers and RepairPal shops
- Available on any used car sold by CarMax, regardless of year, make, or mileage
- Over 670,000 rental cars loaned to customers since 2009
- No waiting period for coverage
- Covers vehicles with high-mileage
- Maintenance reimbursement
- High-mileage—Undisclosed
- Exclusionary
- Powertrain—Undisclosed
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable—Undisclosed
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option—Undisclosed
- Commercial/rideshare—Undisclosed
- EV/hybrid components
- No waiting period—Undisclosed
- Option with free maintenance benefits
- Transferable—Undisclosed
- 24/7 roadside assistance
- Any licensed repair shop
- Direct shop payment
- In-network repair network
- Mobile app for claims
- Online claims portal—Undisclosed
- Trip interruption coverage
- 24/7 roadside assistance
- Any licensed repair shop—Undisclosed
- Direct shop payment
- In-network repair network
- Mobile app for claims—Undisclosed
- Online claims portal—Undisclosed
- Trip interruption coverage
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Online quote without phone—Undisclosed
- Sample contracts online
- Contract (lump-sum) payments
- Pay-in-full discount—Undisclosed
- 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 (lump-sum) payments—Undisclosed
- Pay-in-full discount
- Month-to-month payments
- 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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