MaxCare vs Select Auto Protect

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.

Founded in 2020 and headquartered in Wilmington, Delaware, Select Auto Protect is a direct provider of vehicle service contracts specializing in high-mileage and older vehicle coverage. Unlike many extended warranty companies that impose strict eligibility limits, they accept vehicles of any age and mileage, provided the car is in good working condition at the time of purchase. A major differentiator is their unlimited claims policy, with no stated annual or lifetime cap on approved repairs. The company structures its coverage into three stated-component tiers: Silver, Gold, and Platinum. While the Platinum plan is their most comprehensive offering, Select Auto Protect does not provide an exclusionary bumper-to-bumper contract. Plans include benefits such as 24/7 roadside assistance, rental car reimbursement, trip interruption coverage, and direct payment to ASE-certified repair shops nationwide. Pricing is generally positioned on the more affordable side of the market, with many plans reportedly falling between $1,000 and $3,000. Customer feedback is mixed. Many customers praise the company’s sales experience, affordability, and willingness to cover vehicles rejected elsewhere, while others report inconsistencies in claims processing, communication, and cancellation experiences.