Anyone using USAA extended warranty?

Questofthetune · 04-16-2018, 05:31 PM

Anyone using the USAA through assurance Ext warranty? My SA said it was fantastic for mods wise but wanted some reviews.

delvec03 · 04-16-2018, 06:14 PM

the pricetag is laughable. just ran a quote. 4 years 100k miles. $6.6k.

not a chance in hell.

Questofthetune · 04-16-2018, 06:46 PM

My 4 yr quote was much less than that, not too mention the BMW warranty is actually more than that for me
48mo/48k 5k flat. Bmw was in then7k range for less.

delvec03 · 04-16-2018, 07:50 PM

Quote:

Originally Posted by Questofthetune

My 4 yr quote was much less than that, not too mention the BMW warranty is actually more than that for me
48mo/48k 5k flat. Bmw was in then7k range for less.

hmm, strange. what's your car? 2015 228i here.

Questofthetune · 04-16-2018, 07:58 PM

2014 m235i - I plugged my vin just to get an exact quote and it came up 5600$ for the 48/48k. The 36 is 3.5k though. I’m at 49,900 miles too

P2 · 04-17-2018, 01:00 PM

The premium seems to be dependent on your current mileage. If I put in 45,000 miles the cost is $6600 for 4 years from purchase up to 100k.
If it put in my current mileage, ~15000, the cost is $3979 for 6 years from purchase up to 100k. I have 2 years left on my factory to that's really a 4 year/100k.

I think about it once in a while, but it would have been a waste on my 06 325. Minus tires, I spent $6100 on maintenance after the warranty. $1700 of that were items that broke. Oil housing leak, control arms, ignition coils. Everything else was fluid changes, plugs, brakes, etc. Of that $1700 only $200 or so would have been covered by an extended warranty. I will admit there were some oil leaks that would have needed attention if I kept the car another year or so. But none of that would have been covered.

4k now or 6.6k later is a lot of coin to plunk down for the small chance of a catastrophic failure. Just my opinion. Everyones financial situation is different.

04-16-2018, 05:31 PM	#1
Questofthetune Captain 446 Rep 780 Posts Drives: 13 GT50014 AW M235i(sold) Join Date: Jul 2016 Location: SFL iTrader: (1) Garage List 2014 BMW 235i [0.00]	Anyone using USAA extended warranty? Anyone using the USAA through assurance Ext warranty? My SA said it was fantastic for mods wise but wanted some reviews. __________________ 2014 AW M235i Sold 2013 BLK GT500 track pack/ perf pack/ recaros
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04-16-2018, 06:14 PM	#2
delvec03 First Lieutenant 90 Rep 351 Posts Drives: 228i Sport/ DSB Join Date: Feb 2015 Location: United States, DC iTrader: (0)	the pricetag is laughable. just ran a quote. 4 years 100k miles. $6.6k. not a chance in hell.
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04-16-2018, 06:46 PM	#3
Questofthetune Captain 446 Rep 780 Posts Drives: 13 GT50014 AW M235i(sold) Join Date: Jul 2016 Location: SFL iTrader: (1) Garage List 2014 BMW 235i [0.00]	My 4 yr quote was much less than that, not too mention the BMW warranty is actually more than that for me 48mo/48k 5k flat. Bmw was in then7k range for less.
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04-16-2018, 07:58 PM	#5
Questofthetune Captain 446 Rep 780 Posts Drives: 13 GT50014 AW M235i(sold) Join Date: Jul 2016 Location: SFL iTrader: (1) Garage List 2014 BMW 235i [0.00]	2014 m235i - I plugged my vin just to get an exact quote and it came up 5600$ for the 48/48k. The 36 is 3.5k though. I’m at 49,900 miles too
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04-17-2018, 01:00 PM	#6
P2 First Lieutenant 53 Rep 375 Posts Drives: 2023 i4 M-Sport eDrive 40 Join Date: Mar 2006 Location: NW Chicago Land iTrader: (0)	The premium seems to be dependent on your current mileage. If I put in 45,000 miles the cost is $6600 for 4 years from purchase up to 100k. If it put in my current mileage, ~15000, the cost is $3979 for 6 years from purchase up to 100k. I have 2 years left on my factory to that's really a 4 year/100k. I think about it once in a while, but it would have been a waste on my 06 325. Minus tires, I spent $6100 on maintenance after the warranty. $1700 of that were items that broke. Oil housing leak, control arms, ignition coils. Everything else was fluid changes, plugs, brakes, etc. Of that $1700 only $200 or so would have been covered by an extended warranty. I will admit there were some oil leaks that would have needed attention if I kept the car another year or so. But none of that would have been covered. 4k now or 6.6k later is a lot of coin to plunk down for the small chance of a catastrophic failure. Just my opinion. Everyones financial situation is different.
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