Exclusionary Vehicle Service Contracts, Designed for Insurance Agents

Vehicle Service Contracts

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Extended Warranties = Vehicle Service Contracts (VSC)

As vehicles become more technologically-advanced, repairs don’t get less expensive.  Get protection against unexpected and costly repairs beyond your manufacturer’s warranty coverage.  AutoGard vehicle service contracts (VSC) are exactly the same type of contract sold in dealerships nationwide, but provide the best possible coverage at a much lower price (usually $1,000 cheaper than dealerships), backed by A-rated insurance companies.

Click here to see how we compare to other Vehicle Service Contracts.

Avg. Repair Cost Increase from Last Year - 2.7%0%

Labor Cost Increase - 4.7%0%

Increase Year over Year - Northeast - 6.5%0%

Claims can be expensive.

An estimated 46% of Americans do not have cash on hand to pay for an emergency expense of $400 or more.

With AutoGard, you have financial security against typical repair costs.

Call 833-GET-A-VSC (833-438-2872) Now to Start a Claim.

Repair costs represent average claim amount.

About AutoGard

AutoGard is a vehicle service contract (extended warranty) provider created specifically for clients of insurance agents.  An affordable alternative to traditional service contracts through dealers, AutoGard provides stellar coverage and claims handling.

833-GET-A-VSC (833-438-2872)

30 day money-back guarantee

24-hour roadside assistance

Accepted at your dealership and by an ASE licensed mechanic

Coverage backed by an AM Best 'A' rated insurance company

Why is AutoGard so inexpensive? Does it cover less than a dealership vehicle service contract?

The extended warranties and vehicle service contracts sold by dealerships are almost always marked up an extra $1000 or more, to make up for the lack of profit made by the dealership on the actual vehicle itself. The insured exclusionary contract used by AutoGard provides the best possible coverage available, exactly like the “platinum” coverage offered by dealerships. In short: We cost less because we skip the unnecessary dealership commission, while we cover the same or more than any other warranty on the market. AND, we don’t use hard sales tactics.

Learn More About AutoGard

AutoGard was created by agents, for agents, and their clientele. Over the past few years, Property and Casualty agents around the country have seen a flurry of new competition–whether from online insurance companies or from dealerships.


In an effort to compete and win business back, many property and casualty agents conducted exhaustive research in the Finance and Insurance (F&I) industry. At the same time, these agents partnered with experts in the field of F&I to determine where the competition is vulnerable.


That’s where AutoGard comes in: it’s a turn-key solution for insurance agents of all shapes and sizes that is a significant revenue generator. Insurance agents are a natural referral source for recognizing when a customer could be a good fit for a vehicle service contract. Any insurance agent worth their salt is one of the first people on the planet to know when their customer is buying–or has bought–a different vehicle. AutoGard provides a simple-to-refer, quality product that is purposefully priced to compete exceptionally well against the competition.


The research revealed that most consumers would prefer to buy an extended warranty from a person they trust–such as their insurance agent–than from an online website. The research also showed that most people don’t like heavy-handed sales tactics, such as those used in many dealerships.


There’s a reason for these “hard” sales tactics at dealerships–they are usually required in order for the customer to agree to spend thousands of dollars on extended warranties. Because auto dealers don’t make very much profit when they sell a vehicle (the auto industry is VERY competitive, and most dealers only make about 3% profit off the actual vehicle sale), they are forced to look elsewhere for profit sources. Hello, vehicle service contracts!

These inflated prices at dealerships or banks or credit unions (they’re in the same boat as dealers) aren’t the result of evil scheming to rip off consumers. High-priced extended warranties are just a fact of life in those industries. And it’s those inflated prices of vehicle service contracts that cause some people to say they’re not worth it. The truth is, many consumers would benefit from a fairly-priced extended warranty that provides excellent coverage and claims adjudication. And that’s where AutoGard comes in.


AutoGard takes the process of enrolling in a VSC and puts it into the hands of a capable trusted advisor, making the process simple, painless, and above all, affordable. If the customer has already purchased a vehicle service contract, it is no problem to cancel that contract for a full refund. (Consumers are typically given 30 days to cancel a vehicle service contract purchase and still receive a full refund.)


AutoGard has partnered with an experienced VSC administrator, who is backed by an A.M. Best, A-rated billion dollar insurance company providing the financial strength to adjudicate all qualified claims. This partnership allows for pricing that saves customers an average of $1,000.00 per contract, for the same or (usually) better coverage.


Click here
to see how we compare to other Vehicle Service Contracts.


All claims calls are handled by our professional staff within our state-of-the-art call centers nationwide. All mechanical repairs are performed by any of a nationwide network of 300,000 (ASE) Automotive Service Excellence, certified mechanics.

AutoGard vehicle services contracts extended warranties

We do things FOR our clients, not TO them.

Agents contracting with AutoGard have the ability to earn significant revenue through multiple revenue streams.


The first revenue stream is attained by enrolling the agents existing clients into the AutoGard VSC program.


Secondly, agents can earn additional income by recruiting other agents into the program underneath them. If the agent underneath the top agent enrolls a client into the VSC program the agent above them will make an override.


Thirdly, a revenue stream can be accomplished when the second tier agent recruits an agent underneath them. When that third tier agent enrolls one of their clients into the (VSC) program the top tier agent will earn an additional override for a total of three revenue streams.

Research shows 76% of Americans live paycheck to paycheck. Research also shows that 62% of Americans have less than $1,000.00 in savings and 21% don’t even have a savings account.


That being said, the average vehicle repair cost is between $2,500.00 and $3,000.00. Obviously, an unforeseen average vehicle repair cost could be devastating to the average American family.


AutoGard bridges that gap between price and trust.

Why choose AutoGard?

Frequently Asked Questions

What is the difference between an extended warranty and a manufacturer’s warranty?

A manufacturer’s warranty is free and comes with the vehicle. An extended warranty expands and enhances the manufacturer’s warranty. AutoGard is an exclusionary extended warranty, which means it covers the most components possible.

I bought an extended warranty from my dealer. How can I tell which is a better deal?

We offer the same or better coverage than any dealer with an average savings of $1,000.00. Our claims are handled by the same professional adjudicators used by hundreds of dealers nationwide, so your customer experience is just as good as if you’d bought an extended warranty (also known as a VSC) from a dealer.

How do I pay for an AutoGard extended warranty?

We accept all major credit and debit cards via our secure SSL process, and monthly payment options make AutoGard easy to afford if you don’t want to pay all at once.

How does an the AutoGard extended warranty work?

What sets AutoGard apart from other extended warranties (also know as VSCs) is that it is ‘exclusionary coverage’. This means that it is the best possible coverage available anywhere. The AutoGard contract lists consumables (like tires, wiper blades, etc) as part of a list of things that are not covered if they break. That’s why it’s called exclusionary coverage, because only the items NOT covered are listed in the contract. Everything else that is not listed is covered! This is a big deal. Most extended warranties from dealers are the opposite of this; they only list the items that ARE covered.

What does the AutoGard extended warranty (VSC) cover?

Since the AutoGard vehicle service contract (VSC) is an exclusionary contract, it covers everything on your vehicle except the short list of items that are specifically excluded.  In short, AutoGard covers as much or more than anyone else’s extended warranty…period.

Are an extended warranty and VSC (vehicle service contract) different?

No, the proper name is vehicle service contract (VSC), but the commonly-used term is extended warranty.  They are exactly the same thing.  (On the other hand, a manufacturer’s warranty is included in the price of the vehicle, and IS different.)

What determines the cost of my coverage?

The make of the vehicle, the mileage, and the term of the contract.

How do I file a claim?

Take your vehicle to any ASE (Automotive Service Excellence) certified mechanic and call 833-GET-A-VSC (833-438-2872), the rest will be handled by us. AutoGard pays out claims promptly, so auto mechanics love us.

Do I have to get my vehicle inspected or certified for coverage?

Not if you are within the time and mileage limits of your vehicle’s manufacturer/factory warranty. If your vehicle’s factory/manufacturer warranty has expired, then you will need to get an inspection.

My vehicle's factory warranty has expired, so I need to get an inspection before I buy an AutoGard extended warranty. How do I do this?

Take your vehicle to any ASE certified technician—they can perform the certification/inspection for you.

How does the claim handling work?

Claims are handled by our professional, certified adjudication specialists from 7 AM to 5 PM Central Time, Monday through Friday. The average hold time is less than one minute. Roadside Assistance is baked into every AutoGard vehicle service contract, and is available 24/7, 365 days a year. To file a claim or get roadside assistance, call 833-GET-A-VSC (833-438-2872).

Is my extended warranty transferable?

Yes, you can transfer your AutoGard extended warranty.  A fee and inspection may be required.

What if I decide to cancel my AutoGard vehicle service contract down the road?

No problem.  You can cancel your AutoGard VSC at any time.  To do so, just call us at 833-GET-A-VSC (833-438-2872).  The balance of the unused portion will be refunded 100%.

If I already have coverage through my dealer but want to switch, how does that work?

No problem.  The steps to cancel your existing extended warranty are required by law to be listed in the contract itself—let us know if you have questions on this. If it’s been less than 30 days since you purchased the other extended warranty, then you will receive a full refund.  If it’s been more than 30 days, then the refund is pro-rated accordingly. Refunds are issued by check if you bought the vehicle outright; if you took out a loan to purchase the vehicle, then the refund will be applied to your loan balance. Either way, it is money back in your pocket.

Are you an Insurance Agent interested in offering AutoGard to your customers?

AutoGard is available in 47 states!

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