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Discussion Starter · #1 ·
Hello all,

First of all my name is Colby, I recently purchased a 2014 Cruze Diesel. My question is that the dealership presented me with the option of buying bumper 2 bumper warranty, and I have to decide by tomorrow. Is it worth it to buy the extra warranty on the used vehicle? I am not 100% familiar on Diesels vs Gas do the repairs happen more on either or? I open to all thoughts comments anything would be greatly appreciated!

I live in Minnesota so we receive all 4 seasons and get the nasty weather too.

The name of the company providing the service is called "Zurich" I have been looking around and found some good and bad things about the company and do not know what to decide.

I currently have a little over 53,000 miles on the Cruze Diesel.

Warranties currently covered on the car:
Corrosion Limited Warranty 100,029 Miles or 12/19/19
Emission Select Component Ltd Wty 80,029 Miles or 12/19/2021
Powertrain Limited Warranty 100,029 Miles or 12/19/2018

Bumper 2 Bumper Warranty offered through the dealership from Zurich
48 Months/60,000 Miles + current mileage so approx 113,000 miles Price: $1913.00
36 Months/45,000 Miles + current mileage so approx 98,000 miles Price: $1587.00
24 Months/30,000 Miles + current mileage so approx 83,000 miles Price $1278.00

Thanks,
Colby
 

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The name of the company providing the service is called "Zurich"
If it was from GM or "GM by Ally", I'd say yes. Some third party vendor - not so much. At this point, you're out of the factory B2B, so I don't think there's an option for either of those plans.

From hanging around here, I think Diesels come in two type: Problem-free or issues with the emission system. Probably the more important thing is to find a dealer who knows diesel, or at least knows to call GM for help when one shows up. Maybe the dealers that service a lot of trucks would be a good bet.

While you're looking at the car, take a look at the exhaust system underneath. Some have reported rust problem on the flange bolts just in front of the cat or muffler.
 

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Zurich would be a fine choice, I think I read they are rated highly. Fidelity/J M & A is good. You don't "have" to let the dealer know anything by tomorrow unless tomorrow is a special day. The price offered is steep and you could do better on your own. Be advised you or I can't purchase a Bumper to Bumper warranty, they're just not a product available. This would be known as a Service Contract
 

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I don't think it's worth it. I would put the money away (say its $75 per month, in a year's time, you would have $900 for anything that breaks). If nothing breaks, you keep adding to it. Self insurance is what it's called, and it's a better investment, I think.
 

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Discussion Starter · #5 ·
Thanks for the record everyone, Eddy the finance manager has 4 $250 coupons supposedly that will take the original price from say $2900 to $1900 ... He said the coupons are limited and they usually don't give out 4 at a time especially at the beginning of the month... I think he was trying to put pressure on me to take the deal right away. The warranty offers rental reimbursement up to $30 per day. Also trip interruption say were on vacation they will put us in a hotel for up to 3 days at $100 a day. They Also provide emergency road side assistance, which includes towing, flat tire changes, gas and fluids delivery, jump starts, Zurich provides about $100 in disbursement.
 

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I wonder why he's not selling the GMPP or GMEPP.

You should wonder too.
 

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Because they make less money selling it.

FWIW GMPP and GMEPP are the gold standard. I have never owned a vehicle without.

There are different levels of coverage, different coverage periods and different deductible levels. The more you buy, the more expensive it gets. But it is the gold standard.

You can buy them from GM dealers on the Internet to get a lower price.

No one sells a warranty without making a profit. If Zurich can sell for less than GM then they must be making money somehow. Probably because they are actually offering less coverage.

Bumper to bumper is a great marketing phrase, but you need to read the nitty gritty details like a lawyer would. For example, I've yet to see any such warranty actually cover the bumpers.

And the buy now or die is a pressure tactic. It is so you don't ask too many questions and feel that you got a great deal. The minute you start asking questions it turns out that it's not so good after all.

Would you get married under a similar 24-48 hour demand? Or place your vote for president? If yes, then do what your F&I guy tells you to do, because he will make all this confusing stuff so much easier for you (and for him).

I once came very close to buying a Mercedes Benz. I refused to after reading the content of their bumper to bumper warranty. It only covered parts lubricated by oil or grease! So if your radiator blows, radio, AC, ABS brake, etc. failed your M-B bumper to bumper warranty was worth Jack shift.
 

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Discussion Starter · #9 ·
Tomko, I did a live chat with gm and they keep telling me to go back to the Chevrolet dealer ship I worked with. You mentioned i could get cheaper rates for warranties online, do you know any reputable websites?
 

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If you live in Canada send me a PM and I can hook you up with someone.

If you live in the USA this guy is highly regarded on the Corvette forums. And corvette people tend to be very particular.


Ken Fichtner
Fleet, Corvette, & Protection Plan Sales
Montana's Time Dealer of the Year for 2014
Denny Menholt Chevrolet
Billings, MT
406-896-3088 Office
406-672-5690 Cell
[email protected]
Servingcustomer's needs since 1952!
 

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From my experience with my diesel Cruze, my repair bills were FAR lower than any of the numbers you quote, and I am at 180K miles now. I would put the money away every month like others have suggested, BUT I would do my homework on the particular car you are buying. Make sure it was trouble free before you bought it. If it was, it is likely it will remain (relatively) trouble free after you buy it. If it has a long list of repair history and dealer visits, then you might want to look elsewhere. Generally speaking, they are great cars, but there are a handful of cars that have way more issues than others.

Just my thoughts on the topic. Sorry I'm late to the party. Welcome to the forum!
 

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From my experience with my diesel Cruze, my repair bills were FAR lower than any of the numbers you quote,
I heard my father tell car salesman more than once if he need that extended warranty he won't be buying this brand again. Not one time over his lifetime or mine have I seen anyone "need" that warranty. Remember these are newer cars and should not need many if any repairs. Also if you put enough money down payment and the car starts to become trouble, trade trade trade!!! With nothing down trading is out of the question since you will always be upside down on the loan.

I had 1 out of pocket repair on my 2012 1LT cruze over 95,000 miles, $230 for a leaking transmission cooler line. If you want to get picky I did have a defective rear truck switch as well, never got around to spending the $50 to fix it myself.
 

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I don't think it's worth it. I would put the money away (say its $75 per month, in a year's time, you would have $900 for anything that breaks). If nothing breaks, you keep adding to it. Self insurance is what it's called, and it's a better investment, I think.
What a concept, next they'll try that with Health Insurance:wub:
 

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Make sure there are no deductibles. A chevy dealer wanted to sell me one for my sonic, it was $2300 but if i took it back to the dealer selling me tge warranty there would never be a deductible on any repairs. But another dealer told me the actual cost was $1300 for the same program.. Shop around.
 

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I bought one with my Cruze 2 years ago. It was certified at the time, so I haven't needed to use it. I had one on my previous vehicle, and it paid out in spades. I see it as peace of mind. I know that, other than maintenance, I won't have any repair bills for 4 more years. I'll continue doing it as well.
 

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Discussion Starter · #17 ·
Hey all,

Here's an update.. Tomko here's what the guy you recommended offered for warranties...
Plan
Deductible
Time/Miles
Platinum
Discount
Sale
per visit
Price
Price
Chev Prot Plan
0
3/3000
$796
($250)
$546
Chev Prot Plan
100
3/3000
$769
($250)
$519
Chev Prot Plan
0
6/6000
$860
($250)
$610
Chev Prot Plan
100
6/6000
$819
($250)
$569
Chev Prot Plan
0
12/12000
$1,220
($250)
$970
Chev Prot Plan
100
12/12000
$1,070
($250)
$820
Chev Prot Plan
0
24/24000
$1,460
($250)
$1,210
Chev Prot Plan
100
24/24000
$1,260
($250)
$1,010
Chev Prot Plan
0
24/40000
$1,645
($250)
$1,395
Chev Prot Plan
100
24/40000
$1,445
($250)
$1,195
Chev Prot Plan
0
36/24000
$1,493
($250)
$1,243
Chev Prot Plan
100
36/24000
$1,318
($250)
$1,068
Chev Prot Plan
0
36/30000
$1,566
($250)
$1,316
Chev Prot Plan
100
36/30000
$1,391
($250)
$1,141
Chev Prot Plan
0
36/36000
$1,755
($250)
$1,505
Chev Prot Plan
100
36/36000
$1,455
($250)
$1,205
Chev Prot Plan
0
36/45000
$1,920
($250)
$1,670
Chev Prot Plan
100
36/45000
$1,620
($250)
$1,370
Chev Prot Plan
0
36/60000
$2,008
($250)
$1,758
Chev Prot Plan
100
36/60000
$1,708
($250)
$1,458
Chev Prot Plan
0
48/32000
$1,925
($250)
$1,675
Chev Prot Plan
100
48/32000
$1,750
($250)
$1,500
Chev Prot Plan
0
48/48000
$2,245
($250)
$1,995
Chev Prot Plan
100
48/48000
$1,895
($250)
$1,645
Chev Prot Plan
0
48/60000
$2,381
($250)
$2,131
Chev Prot Plan
100
48/60000
$2,206
($250)
$1,956
Chev Prot Plan
0
60/40000
$2,111
($250)
$1,861
Chev Prot Plan
100
60/40000
$1,936
($250)
$1,686
Chev Prot Plan
0
60/50000
$2,670
($250)
$2,420
Chev Prot Plan
100
60/50000
$2,270
($250)
$2,020
Chev Prot Plan
0
60/60000
$2,875
($250)
$2,625
Chev Prot Plan
100
60/60000
$2,475
($250)
$2,225
Chev Prot Plan
0
60/75000
$3,325
($250)
$3,075
Chev Prot Plan
100
60/75000
$2,925
($250)
$2,675
Chev Prot Plan
0
60/100000
$3,875
($250)
$3,625
Chev Prot Plan
100
60/100000
$3,700
($250)
$3,450
Chev Prot Plan
0
72/72000
$3,528
($250)
$3,278
Chev Prot Plan
100
72/72000
$3,078
($250)
$2,828
Chev Prot Plan
0
72/100000
$4,217
($250)
$3,967
Chev Prot Plan
100
72/100000
$4,042
($250)
$3,792
Chev Prot Plan
0
84/100000
$4,474
($250)
$4,224
Chev Prot Plan
100
84/100000
$4,299
($250)
$4,049
 

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What happened to the 4 coupon $2900/$1900 Zurich offer "good only today"? The newer G.M.E.P.P 'backed' plan does cost more but those prices listed are unthinkable, in fact I've never seen $4000 Service contracts. Shop around and I wouldn't buy over the Internet, too many resellers of these "Bumper to Bumper GM Warranties" and anyone who calls it that you should run away from!
Chev Prot Plan072/72000$3,528($250)$3,278
 

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2,219 Posts
All I can say is that looks like a crappy deal to me, "run forest run" :grin:, I sell stuff and can add layers of additional insurance to it, I don't make anymore, make less really over long term, and for some it is the right solution, but I make it very clear, your buying peace of mind and that's about it, on occasion you are thrilled you bought it, many occasions the math is never to your favor. Just my two cents.
 
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Discounting doesn't seem correct.

$250 off a $800 plan

but

$250 off a $4,000 plan

My guess is somethings gone amiss in the discount calculations.

FWIW I have the 84 month, 100,000 mile, zero deductible plan.
 
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