Introduction to Select Car Warranties

Select Car Warranties is a U.S.-based extended auto warranty provider that partners with vehicle service contract administrators and repair facilities across the country. Their mission? To offer customizable protection plans that extend beyond the factory warranty, shielding owners from costly repair surprises.

With multiple plans including Powertrain, Gold, and Platinum, Select aims to serve everyone from budget-conscious used car buyers to drivers of late-model luxury vehicles.

But how does their coverage stack up in 2025? Let’s dissect the details.

Why Coverage Clarity Matters

Imagine this: your car’s backup camera fails. You assumed it was covered. But during your claim, you’re hit with a rude awakening—Select’s plan doesn’t include it unless you purchased an add-on. Now you’re looking at a $700 bill. Ouch.

That’s why knowing what’s explicitly included—and more importantly, what’s not—is the only way to avoid unpleasant surprises.

Overview of Select Car Warranties Plans

Each plan is customizable, and Select occasionally runs discounts or limited-time promotions.

What’s Typically Covered

Most Select Car Warranty plans cover:

• Engine (timing chain, pistons, cylinder block, oil pump)

• Transmission (internal parts, torque converter, transfer case)

• Drive Axle (CV joints, axle shafts, bearings)

• Air Conditioning (compressor, condenser, accumulator)

• Electrical (starter, alternator, power window motors)

• Cooling System (water pump, radiator, thermostat)

These form the core of mechanical breakdown protection.

High-Tech Coverage in 2025

Some Platinum plans now offer coverage for:

• Advanced Driver Assistance Systems (ADAS)

• Touchscreen infotainment systems

• Parking sensors and cameras

• Hybrid and EV-specific components (e.g., electric motor controller)

However, these are often add-ons or part of premium pricing tiers. Always confirm.

What’s NOT Covered by Select Warranties

Standard exclusions include:

• Brake pads, rotors, and drums

• Clutches and pressure plates

• Light bulbs, fuses, and batteries (excluding hybrid batteries in certain plans)

• Windshield wipers

• Cosmetic parts (seats, trim, paint)

Routine maintenance like oil changes, tire rotations, and filters is also excluded.

Common Exclusions Hidden in Fine Print

Even more surprising are these fine-print dealbreakers:

• Pre-existing conditions: Anything already failing before coverage begins

• Commercial vehicles: Not eligible unless disclosed and approved

• Unauthorized repairs: Using non-approved repair shops can void your claim

• Modified vehicles: Aftermarket parts may disqualify repairs

These exclusions often go unnoticed until a claim is denied.

Are Select Car Warranties Worth It?

For many, yes—if you understand what you’re buying. A $2,800 warranty could save you $4,000 on a failed transmission. But if you’re expecting it to cover every little malfunction, you’re in for a disappointment.

Ask yourself: Could I afford a $3,000 engine repair tomorrow? If not, the peace of mind alone might justify the cost.

Select Platinum Coverage: Full Breakdown

The Platinum plan includes nearly everything but the usual exclusions. Highlights include:

• Full powertrain coverage

• A/C and heating systems

• Fuel systems

• ABS and brake hardware

• Electrical and electronics

• High-tech add-ons (optional)

Ideal for cars with under 100,000 miles and loaded tech.

Powertrain Coverage Only: Who Should Choose It?

Powertrain plans are budget options focusing solely on:

• Engine

• Transmission

• Drivetrain

This is a solid pick for older cars or second vehicles you drive occasionally. It won’t cover your touchscreen or parking sensors, but it can save your wallet from big-ticket repairs.

Select Gold Plan: The Middle Ground

Gold plans offer more than Powertrain but less than Platinum. Think of it as a “best of both worlds” option:

• Some electrical

• Limited HVAC

• Fuel delivery systems

It’s for drivers who want broader protection without going all in on cost.

Optional Add-Ons Available

For an extra fee, you can customize your coverage:

• Turbocharger/Supercharger

• A/C compressor clutch

• Seals and gaskets (otherwise excluded in some base plans)

• Luxury electronics (backup camera, GPS systems)

These are well worth considering if your car has premium packages or advanced safety features.

Select Warranties for Electric & Hybrid Vehicles

New in 2025: More robust EV coverage. Depending on your plan, Select may now include:

• Inverter/converter units

• Battery Management Systems (BMS)

• Onboard chargers

However, high-voltage batteries may still require additional coverage or are limited by proration clauses.

Mileage and Age Limitations

Select Car Warranties often require:

• Vehicles under 150,000 miles

• Model year not older than 12 years

If you’re past either limit, your coverage options shrink, and premiums rise.

How to Read the Fine Print

Scan your contract for these crucial details:

• What voids coverage?

• What’s the claims process?

• Are diagnostic fees reimbursed?

• Is there a waiting period?

Be cautious of terms like “up to”, “at our discretion”, or “covered when deemed necessary”.

What Voids a Select Warranty

Avoid these missteps:

• Skipping oil changes or factory maintenance

• Ignoring warning lights

• Using non-approved mechanics

• Failing to report problems quickly

Document everything. Keep service records. Your future claim may depend on it.

Deductibles and Service Fees

You’ll typically choose a deductible of:

• $100 (most common)

• $250 (lower monthly cost)

Deductibles apply per visit, not per item. So even if multiple parts fail, you only pay once per shop trip.

Select’s Repair Network and Claims Process

• Use any ASE-certified repair shop (nationwide network)

• Direct payment to the shop in most cases

• Claims hotline available 24/7

• Average claim turnaround: 2–5 business days

You’ll rarely need to pay upfront unless the shop requires it while waiting for approval.

Customer Experiences and Case Studies

Derrick – California
“My water pump blew at 96K. Select handled the $1,200 bill—no hassle. I only paid the $100 deductible.”

Mila – Florida
“I had to wait 4 days for claim approval. Not ideal, but it saved me $2,800 on the transmission.”

Carlos – Texas
“Wish I’d read the fine print. My touchscreen wasn’t covered even with the Gold plan. Lesson learned.”

Select vs. Competitors in 2025

Coverage for Luxury and Exotic Cars

Select covers:

• BMW, Audi, Lexus, Acura

• Some Tesla models (exclusions apply)

• Coverage limits may apply to Maserati, Jaguar, Porsche

Repairs must use OEM-equivalent parts; dealer-only repairs may not be reimbursed.

How to File a Claim Successfully

1. Call Select BEFORE repairs start

2. Bring your car to an approved shop

3. Mechanic diagnoses and submits repair estimate

4. Wait for claim approval

5. Repair and payment (minus deductible)

Pro Tip: Get a printed itemized estimate to avoid confusion later.

Is Coverage Transferable?

Yes. You can transfer your warranty to a new private buyer (not dealerships).

• Boosts resale value

• Transfer fee may apply ($50–$100)

• Must transfer before sale is complete

Roadside Assistance and Other Perks

Included with most plans:

• 24/7 towing up to 75 miles

• Lockout service

• Flat tire change

• Rental car reimbursement

• Trip interruption ($50/day, up to 3 days)

These extras sweeten the deal—especially for frequent travelers.

How Select Handles Cancellations and Refunds

You may cancel:

• Within 30 days: Full refund (minus any claims paid)

• After 30 days: Prorated refund based on mileage and time used

Must submit cancellation request in writing.

Select Car Warranty Costs in 2025

Monthly plans available starting at $79/month. Zero-interest options may apply.

How to Get a Free Quote from Select

1. Visit SelectCarWarranties.com

2. Enter vehicle year, make, model, mileage

3. Add contact info for quote delivery

4. Speak with an agent to customize coverage

Always compare with at least two other providers for leverage.

Best Practices for Warranty Buyers in 2025

• Read the sample contract

• Ask for a full coverage and exclusions list

• Get everything in writing (email counts)

• Choose lower deductibles if you use your car frequently

• Check BBB, Google, and Trustpilot reviews

Remember: the best warranty is one that actually covers your needs.