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Discussion Starter #1
Has anybody else been contacted about purchasing a EasyCare extended warranty? I've been contacted about it and it sounds pretty good, outside of the price that is, lol!
 

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Phone calls junk in the mail with these warranties, never paid attention to the names. Recall one ad said if my power window does not work, can cost me $1,500.00 in repairs. When I can buy the complete window motor fpr 27 bucks.

Others had so many exclusions, read the fine print, just about any problem wasn't covered.
 

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Discussion Starter #4
They have been contacting me by phone. He mentioned something called Easy Total Car Care. He shot me a few numbers for what it would cost based on the extended coverage I would want. I think I remember him saying something along the lines of the EasyCare extended warranty taking the place of or being better than the GMPP. It's been a couple of weeks since I last talked to the guy. I haven't been returning his phone calls because I'm not in the position to plop down that kind of money all at once or even be on a payment plan to cover the high cost of it. I would however see how far I could get the price down and maybe purchase it if I got enough positive feedback on this company and on extended warranties in general.
 

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I wouldn't buy any Service Contract (no such animal as an Extended Warranty) from a voice on the phone, or any correspondence by mail. Many of these companies are here today, gone tomorrow, a ponzi scheme of scams. How many miles do you have on the CRUZE? You might look into the new GMEPP or the old GMPP still sold by Ally.
 

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Purchased a Soleus dehumidifier from Menards, asked me how much would it cost, $13.00, if anything goes wrong with it in 24 months, just bring it back to the store and we will give you a new one. Without this warranty, could only return to the store within 30 days, then would have to deal with Solelus.

Son did this, had to contact them, send in the line plug at his expense, another 30 bucks to have a new one shipped, and another 30 bucks to have his recycled. has 2 ounces of refrigerant in it.

My compressor seized after 23 months, took it back to my store, left the old one there so they would have to pay to get it recycled, and got a brand new model in the box for free.

They asked me if I wanted to pay an extra 13 bucks for another 24 month warrant, said sure.

Now if you can find me a vehicle warranty like this, I would be interested. Ha, none of this repair BS, just give me a new one.

That Soleus was the extend of my warranties, well did pay 50 bucks for that Panasonic flat screen, 36 months, just take it back to the store, leave the old one, get a brand new one.
 

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Discussion Starter #7
I wouldn't buy any Service Contract (no such animal as an Extended Warranty) from a voice on the phone, or any correspondence by mail. Many of these companies are here today, gone tomorrow, a ponzi scheme of scams. How many miles do you have on the CRUZE? You might look into the new GMEPP or the old GMPP still sold by Ally.
Yeah, based on the reviews I just read in that link, I'm not going to be purchasing any extended warranty through those guys! I started getting final notice extended warranty things in the mail about a week or two after I got my car, lol! I just threw them all in the shredder. I thought they did away with the old GMPP?
 

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I thought they did away with the old GMPP?
ALLY will still back the policy as it sells the same policy for all models & makes. I talked to the company which administers the GMPP out of Chicago and they sounded like thugs. Told me if I returned my $1500 GMPP I could not repurchase it. Well that technically is true, I did return it and bought one from a closer Dealer who sold it for $500 less just to piss off the guy who sold me mine at a competing store!
 

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It is (full name) The GM Protection Plan powered by Ally.

So, yes, the program still exists......the administration is the same......the underwriter is National General and has been for over 20 years.....just was never advertised that way.
It was a product of GMAC but because of all the banking realignments and such, GMAC became Ally financial.

If you are going to put a contract on your car......any brand, only purchase manufacturer backed programs.
Manufacturer programs are designed to pay, not deny, claims with a overall loss ratio of around 85%.
That means, 85% of money taken in is utilized for claim payment with the remainder used for administration expense.

Aftermarket programs are designed to be income generators for the sellers of the program......they are not designed around customer satisfaction of the vehicle they chose.
The aftermarket programs are profitable through the use of claim DENIAL.........they will look at every claim from every angle in a attempt (usually successful) to blame the failure on the customer....such as lack of maintenance or normal wear and tear.

Bad Ju Ju,

Rob
 

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I remember him saying something along the lines of the EasyCare extended warranty taking the place of or being better than the GMPP.
Of course the salesman will say that. I remember getting cards in the mail that my car warranty was about to expire. I'd laugh. Because I was driving 15-20 year old cars at that time. My only temptation was to turn it in to the State Attorneys office.


It is (full name) The GM Protection Plan powered by Ally.

So, yes, the program still exists......the administration is the same......the underwriter is National General and has been for over 20 years.....just was never advertised that way.
It was a product of GMAC but because of all the banking realignments and such, GMAC became Ally financial.

If you are going to put a contract on your car......any brand, only purchase manufacturer backed programs.
Manufacturer programs are designed to pay, not deny, claims with a overall loss ratio of around 85%.
That means, 85% of money taken in is utilized for claim payment with the remainder used for administration expense.
So is "The GM Protection Plan powered by Ally" the "old" plan and would you still consider it a "manufacturer-backed" program? (And what is the difference between it and the current GM plan?) The reason I ask is my B2B has got about 2 months left and I need to make a decision. I procrastinated this long thinking the old plan wasn't available and as long as the B2B was still in play it was the same price.
 
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Starks8, Before you shell out money for a warranty you probably don't need, Figure out how many miles you average a year. Most of the time the extended warranty looks good but only ever adds years to your coverage if you don't really drive your car.

Doing the math I drive an average of 20-25K a year, extended plan would only give me 6months to a year of warranty extension. Instead of spending that money, use it for any repairs you actually get. I only had ONE repair on my cruze outside the b2b, at 94,000 miles I fixed the leaking transmission cooler line for $225.
 

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Of course the salesman will say that. I remember getting cards in the mail that my car warranty was about to expire. I'd laugh. Because I was driving 15-20 year old cars at that time. My only temptation was to turn it in to the State Attorneys office.



So is "The GM Protection Plan powered by Ally" the "old" plan and would you still consider it a "manufacturer-backed" program? (And what is the difference between it and the current GM plan?) The reason I ask is my B2B has got about 2 months left and I need to make a decision. I procrastinated this long thinking the old plan wasn't available and as long as the B2B was still in play it was the same price.
It is essentially the 'Old' plan and Ally is the new name for GM's captive financial arm.....formerly GMAC.
All the name changes were a result of GMAC's deep involvement in the mortgage market and after the bank collapse (lack of a better word) GMAC had to reinvent itself the same as many other banking institutions.
National General, essentially a GM owned insurance company, continues to be the underwriter and financial backer of the program.

I see no cause for concern.....the plans still have the same names (ie Major Guard) with lesser coverage programs using different titles and more clearly spelled out exclusions.
As such, I cancelled the agreement on my Cruze when I traded it in last month and applied those funds to a new agreement (Major Guard) on my new Trax.

The only thing I noticed, and this only because I have had many GMPP contracts, is the coverages are far more clearly spelled out as stated above......otherwise, same, same.

Rob
 

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Supposedly there is more profit to be made from the new GM GMEPP vs the GMPP. Both plans are excellent although one is really no longer officially 'backed' by G.M.
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Differences between GMPP and the new Chevrolet Protection Plan:
GMPP is a product of Ally Bank
GMC Protection Plan (GMEPP) is a product of General Motors
GMC Protection Plan (GMEPP) offers the same coverage as GMPP with these additional benefits:
1) A higher rental car reimbursement rate of $40/day
2) A higher towing reimbursement rate of $150/occurrence
3) Trip interruption coverage of $200/day
4) Reimbursement of up to $35 for locksmith services
5) Coverage for ride control suspension

RECOMMENDATION:
I would purchase a policy when you take delivery. I expect an increase soon in pricing.

The GMEPP considers a car/truck new for 36 months. The powertrain warranty is being cut back on 2016 models.
The prices will increase dramatically based on this change in warranty and the price will affect all vehicles within the 36 month base warranty!
Further, prices increase annually and also increase as you accumulate mileage.


 

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Starks8, Before you shell out money for a warranty you probably don't need, Figure out how many miles you average a year. Most of the time the extended warranty looks good but only ever adds years to your coverage if you don't really drive your car.

Doing the math I drive an average of 20-25K a year, extended plan would only give me 6months to a year of warranty extension. Instead of spending that money, use it for any repairs you actually get. I only had ONE repair on my cruze outside the b2b, at 94,000 miles I fixed the leaking transmission cooler line for $225.
Plus didn't you mention your highest repair ever in 30 years on the road was $400? You are like the Dos Equis man of Car repairs. My first repair ever in the early 70s was $600, and a cracked head out here in the Desert was over $2000. One (1) repair pays for this coverage
 

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Discussion Starter #15
So are dealerships the only ones who can and do sell the GMPP and/or GMEPP? My 2015 is only 4 months old from my purchase date of 12/12/15 and currently has 3,300 miles on it. Any idea price wise what I would be looking at? I can price shop around at the different chevy dealerships, right?
 

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Plus didn't you mention your highest repair ever in 30 years on the road was $400? You are like the Dos Equis man of Car repairs. My first repair ever in the early 70s was $600, and a cracked head out here in the Desert was over $2000. One (1) repair pays for this coverage
I must be lucky, I have never spent more than a months car payment for ANY car repair, EVER. Anytime I start having to pay for car repairs is time for me to start considering a different car.

I guess these plans make sense if you forget you have a powertrain warranty or don't know about what it covers. You would also need to forget that at the average american rate of 13,500 miles a year most extended plans will run out well before the extra time frame you pay for? On a 7year/70K plan the average american would only see 2 year extension of their B2B and also be on the hook for $100 deductible for every dealer visit beyond the 36K. That so called 7 year plan would run out on mileage in 4-5 years with most drivers. These plans are sold as profit makers, they know new cars should not need thousands in repairs in the first 5 years, let alone the fact it only covers from 36-70K so more like 2 years or less.

My cruze had 95,000 miles on it and April 9th was start of year 4. I had 5000 miles/12months powertrain warranty left so all repairs would be mine soon. Instead I got top dollar in trade for my car, used all that extended warranty money I saved as a down payment on my new ride. This gave me a car with low mileage again and 5 more years warranty. You also probably wouldn't believe it but I came out ahead on my cruze and with the thousands I put down on the new car my monthly payment dropped by $150!!!
 

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I must be lucky, I have never spent more than a months car payment for ANY car repair, EVER. Anytime I start having to pay for car repairs is time for me to start considering a different car.
Clearly you've never owned anything European.

Bad alternator? $400 part, next to impossible to change. Bad emissions air pump? See above. Things that don't make sense to get rid of a car over, but are really annoying when they go bad.
 

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Did a bmw water pump before. $1200.
 

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So are dealerships the only ones who can and do sell the GMPP and/or GMEPP? My 2015 is only 4 months old from my purchase date of 12/12/15 and currently has 3,300 miles on it. Any idea price wise what I would be looking at? I can price shop around at the different chevy dealerships, right?
You can purchase one of these GMPP or GMEPP contracts from your selling dealer and then have 30 days to cancel for free. In fact you can cancel at anytime into the coverage for a prorated amount minus a small service fee. Or you can wait until your 3 years, 36,000 miles are ready to expire and see if you want to buy one then although they will try to charge more even though the cost to the dealer stays pretty much the same. The hypothetical figures Spacedout pointed out are virtually meaningless and get a 0 $ deductible for pennies more. Keep in mind a Power train warranty and a New Car Limited Warranty are completely different, one covers only certain engine and transmission related failures. Highly recommended looking into!
 
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