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Old 02-16-2013, 07:14 PM   #1
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Extended Warranties

Sorry if this has been brought up before but Im just curious what other people think about an extended warranty. My wife's 4Runner is coming up on 36K miles and we have been discussing the good and bad with buying an extended warranty through Toyota before her bumper to bumper is up. Thoughts/opinions??
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Old 02-16-2013, 07:36 PM   #2
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I purchased an extended warranty on my '12 DBLC for a little peace of mind. I have done so with my last three vehicles and it paid off nicely on a past vehicle. Just a bit of insurance really, but given the cost of things probably not a bad idea IMO.

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Old 02-16-2013, 09:34 PM   #3
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Quote:
Originally Posted by TacOffRoad11 View Post
Sorry if this has been brought up before but Im just curious what other people think about an extended warranty. My wife's 4Runner is coming up on 36K miles and we have been discussing the good and bad with buying an extended warranty through Toyota before her bumper to bumper is up. Thoughts/opinions??
It's really up to you to decide the value of an extended warranty, but it pays to shop around. I've seen several posts about wide variations on prices for essentially the same coverage.
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Old 02-16-2013, 10:07 PM   #4
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Read the fine print.
Extended warranties are not "Warranties" and you do not have the protection of Magnusson-Moss... they are more properly called "service contracts"

If the "warranty" states that parts and labor must be dealer items, you're stuck for DIY or Walmart maintenance, and many aftermarket mods may be off the table.

If it's a Toyota warranty, they're pretty good. If not, have an attorney or paralegal review the fine print. I was sold one from Crown Toyota (part of John Elway's chain) and it specified that ALL work had to be performed at this little independent shop in Santa Fe Springs. If the truck broke down in AZ, though shit.. I had to have it towed to Los Angeles to be repaired.
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Old 02-16-2013, 11:54 PM   #5
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^^^ One of the reasons I never get them. The house always wins.
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Old 02-17-2013, 01:05 AM   #6
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On a Toyota, ya.

I used the warranties on all three Ford products that I owned. I wouldn't own a Detroit vehicle without one.
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Old 02-17-2013, 01:11 AM   #7
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Wow, what an eye opener. I never really read my extended warranty paperwork. I will look into that and make sure its through Toyota and not some third party. If i am going to, which i already did pay for an extended warranty, it better be just as good as the regular warranty. Thanks guys for the eye opener, definitely need to to look into it.
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Old 02-17-2013, 01:15 AM   #8
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The Toyota extended warranty is a decent one and doesn't have any fine print that screws the guy that does his own work.
You just have to be careful if you buy a 3rd party warranty.
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Old 02-17-2013, 01:16 AM   #9
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Quote:
Originally Posted by Rich91710 View Post
On a Toyota, ya.

I used the warranties on all three Ford products that I owned. I wouldn't own a Detroit vehicle without one.
^^^ One of the reasons my last several vehicles have either been a Honda, Toyota, or Subaru.

My view on extended warranties (service contracts) is that if you buy right in the first place, the odds are against needing one. I also like doing most of my own work, so I don't like the idea of paying a pre-determined amount on the chance that something serious will go wrong, and that it'd be something I wouldn't want to fix myself.

But one might be a better fit for someone else.
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Old 02-17-2013, 01:41 AM   #10
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Quote:
Originally Posted by DoorDing View Post
^^^ One of the reasons my last several vehicles have either been a Honda, Toyota, or Subaru.

My view on extended warranties (service contracts) is that if you buy right in the first place, the odds are against needing one. I also like doing most of my own work, so I don't like the idea of paying a pre-determined amount on the chance that something serious will go wrong, and that it'd be something I wouldn't want to fix myself.

But one might be a better fit for someone else.
The Fords were AC compressors, fuel pumps, and I even had a problem with the seat belt retractor on the Escort, and it was one of those automatics that ran on a track above the door so I couldn't just "not use it"

Never did get the suspension on either of them fixed to where they didn't eat tires.

By comparison, wife's '89 Tracer (still a Mazda GLC before it took on the Ford styling) was a great little car until it burned to the ground.
Only issue she ever had was CV boots.
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Old 02-17-2013, 01:57 AM   #11
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Quote:
Originally Posted by Rich91710 View Post
The Fords were AC compressors, fuel pumps, and I even had a problem with the seat belt retractor on the Escort, and it was one of those automatics that ran on a track above the door so I couldn't just "not use it"

Never did get the suspension on either of them fixed to where they didn't eat tires.

By comparison, wife's '89 Tracer (still a Mazda GLC before it took on the Ford styling) was a great little car until it burned to the ground.
Only issue she ever had was CV boots.
That's funny. A girlfriend almost bought an '89 Tracer hatchback, but opted for a Beretta instead. Oops. I had an '88 Corolla FX at that time, and for 10 years, nothing was required but regular maintenance and curing a tiny oil leak on the valve cover. There was a minor rust issue on the hatch, but that was it. Great car.

Pre-wife bought a '91 Ford Escort GT that was less than pleasant to own. I'm happy to see that Ford has seemingly turned the corner on some of its bad habits, and I'd at least consider one today. I have no use for whatever is considered the rest of the "domestics" today.
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Old 02-17-2013, 02:19 AM   #12
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For the buyer, the justification is you'll save money buying it. For the seller they are thinking they'll make a profit off you. So it ends up being you're betting it'll break enough to cost more then you pay and they're saying they'll spend less then you pay. "They" are in business to make a profit and have the odds on their side. It may pay off on a single case basis but, overall those buying it are paying more then they get. This is a basic view that excludes discounts on parts, labor (& other factors) that may not be available to you but, available to the seller.

So, I say on average when buying a decent truck...no need.
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Old 02-17-2013, 04:26 AM   #13
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Didn't have one on my 97 taco,didn't need it. Bought one with my 07 and haven't used it.
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Old 02-17-2013, 09:35 AM   #14
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I bought one for my last Rubicon, it was a 09. Jeep and their parent companies make such a POS vehicle and at the time I planned on owning it for a VERRRRRRRY long time. Don't get me wrong, I loved my Rubi and miss certain things about it everyday but the newer Jeeps build quality is crap and I wouldn't EVER own one without and extended warranty.

Like has already been mentioned, read read read then read it again, the ENTIRE contract, before you purchase it. Mine was thru Jeep and it was their everything, except wear items, forever, extended warranty. After I bought it and I was re-reading it at home I noticed in the fine print that it said the cost of the warranty claim can't exceed the vehicle value. I was like WTF does that mean?!?!!! I guess it means that if the motor blows up after 30yrs and the replacement cost is higher than the vehicle value it's not covered. What happens at that point I never could get a straight answer on so I'm not sure and I never got to that point so it was moot but my guess is they would pay me what they thought the current market value of my vehicle was instead of it being covered under my forever warranty. Soooo, I guess it's true what they say, nothing lasts forever...

I did get a refund check of almost $1300 but I'm pretty sure I paid $2400 for it when I bought my 09 Rubicon new.
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Old 02-17-2013, 11:54 AM   #15
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Look at your factory warranty more closely. Bumper to Bumper is covered 3/36 but I believe the driveline is covered 60K or 5 years (atleast, that's how it was when I bought my 07).
There may be other items covered automatically AFTER the 3/36.

Find out exactly : WHAT ARE YOU GETTING beyond the factory warranty (in all of its details)? Read the fine print.....

What worries you the most? What are you worried about failing? Are you likely to do your own repairs??

I opted NOT to get the extended warranty. I was only concerned about the major components (driveline) and other items that were already covered under 5/60K). I've only had a few items replaced within the 3/36 and everything else has been perfect. I'm glad I didn't get the extended warranty. My truck is 6 years old now.....w/ 60K miles and I haven't had any problems outside of the minor stuff (washer motor, 3 corroded wheels, radiator cap X2, TSB springs).
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Old 02-17-2013, 03:00 PM   #16
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Quote:
Originally Posted by DoorDing View Post
That's funny. A girlfriend almost bought an '89 Tracer hatchback, but opted for a Beretta instead. Oops. I had an '88 Corolla FX at that time, and for 10 years, nothing was required but regular maintenance and curing a tiny oil leak on the valve cover. There was a minor rust issue on the hatch, but that was it. Great car.

Pre-wife bought a '91 Ford Escort GT that was less than pleasant to own. I'm happy to see that Ford has seemingly turned the corner on some of its bad habits, and I'd at least consider one today. I have no use for whatever is considered the rest of the "domestics" today.
Oh snap...

Hers was an '89 Tracer, I had an '88 Topaz.
I traded the Topaz on a '91 Escort wagon.
Traded it on my '94 Toyota p/u.
I bought her a '91 Geo Storm GSI when the Tracer burned (this was in '94 or '95).
The Storm was an awesome car, but with her work injuries, she was having more and more problems getting in and out, so we gave it to her daughter with 160k on it and got her an '00 Echo.
In December '03, we gave the Echo to the daughter and got her the '04 Rav4.
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Old 02-17-2013, 03:10 PM   #17
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I sold the '88 Corolla and bought a '94 (iirc) Pickup (regular cab, MT, 4WD) that had been lightly rolled on its side in snow. Hell of a work truck upgrade from a 1980 Chevy LUV 4x4.
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Old 02-17-2013, 03:29 PM   #18
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Quote:
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I sold the '88 Corolla and bought a '94 (iirc) Pickup (regular cab, MT, 4WD) that had been lightly rolled on its side in snow. Hell of a work truck upgrade from a 1980 Chevy LUV 4x4.
Mine was an extended cab DLX. 60/40 bench, M/T, no power windows/locks, 5-lug.

It really wasn't that different from my '08 RC, except the '08 has full carpet and "fuzzy" covering on the doors and headliner.
The '94 had carpet, but I seem to remember the doors and roof just being vinyl.
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Old 02-17-2013, 06:27 PM   #19
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Thanks for all the insight. I feel like I'm pretty mechanically inclined on most things except major engine/transmission problems. I think we are going to pass on the warranty. I like to trade every 4 years or so on my wife's vehicle.
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Old 02-17-2013, 09:26 PM   #20
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Thanks for all the insight. I feel like I'm pretty mechanically inclined on most things except major engine/transmission problems. I think we are going to pass on the warranty. I like to trade every 4 years or so on my wife's vehicle.
Same boat here.

It's not that I can't work on the engine/trans... I simply no longer have the facilities.
I live in a condo and am stuck working on vehicles in the parking lot... can't make a mess, and really can't have the truck inoperable for more than a few hours.

It goes double for me because I'm on the HOA board, and though we aren't hard-assed about people working on their vehicles, it IS against the regs, so I have to be careful and do my best to be a good neighbor.

Two jobs ago, the company's warehouse was my personal "work on the truck" facility. Boss didn't care what I did over the weekend as long as the mess was cleaned up Monday morning.

But as far as the extended warranties, they're generally done at 5 years or 100k.
You are unlikely to encounter a problem with a Toyota engine/trans in that time frame.
The old joke about "it's just broken in" at 100k isn't far from the truth.
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