If you’re looking for an extended auto warranty or vehicle protection plan, you may have come across MotoAssure. Many drivers want peace of mind after their factory warranty expires. MotoAssure claims to offer that peace of mind. But does it really deliver?
In this article, we explore MotoAssure reviews, what customers say, what the company offers, and whether it lives up to its promises. We’ve done the research so you don’t have to.
What Is MotoAssure?
MotoAssure is a third-party provider of vehicle service contracts. This means they offer extended warranties after your car’s original warranty expires. The company partners with Dealer Services, which handles its marketing and sales.
MotoAssure aims to protect you from high repair costs. They say their plans cover major auto systems such as:
- Engine
- Transmission
- Air conditioning
- Electrical systems
- Drive axle
These plans work like insurance. You pay a monthly or upfront fee, and MotoAssure pays for covered repairs.
What Do MotoAssure Reviews Say?
Customer reviews about MotoAssure are mixed. Some people love the service and say it saved them money. Others feel frustrated with the company’s claims process or customer service.
Here’s a breakdown of common themes from MotoAssure reviews:
Positive Reviews
- Quick claim approval: Some customers say their repair claims were approved fast.
- Affordable plans: Many reviewers mention fair pricing for the coverage offered.
- Helpful customer service: A few customers praise the support team for being easy to reach.
Negative Reviews
- High-pressure sales: Several people complain about aggressive phone calls and sales tactics.
- Claims denial: Some customers say their claims were denied without clear reasons.
- Confusing contracts: A number of users find the terms hard to understand.
Pros and Cons of MotoAssure
Understanding the pros and cons of MotoAssure helps you make a smart decision.
Pros
- Wide range of coverage options
- Low monthly payments
- Coverage for older vehicles
- Plans available in most U.S. states
Cons
- Mixed customer reviews
- Some claims denied unexpectedly
- High-pressure telemarketing
- Limited transparency on costs
How Does MotoAssure Coverage Work?
When you buy a MotoAssure service plan, you get a contract that lists what is and isn’t covered. If your car breaks down and the issue is covered, you can take it to a licensed repair shop.
Here’s how the process typically works:
- Breakdown occurs
- Your car stops working or shows signs of mechanical failure.
- Call MotoAssure
- You contact the MotoAssure claims department before going to the shop.
- Diagnosis
- A mechanic checks the problem and sends a report to MotoAssure.
- Claim approval
- MotoAssure approves the claim if the issue is covered.
- Repair and payment
- The company pays the repair shop directly or reimburses you, depending on your plan.
This process may sound simple, but some reviewers say approval can take time or be denied for unclear reasons.
What Vehicles Does MotoAssure Cover?
MotoAssure claims to cover many types of vehicles, including:
- Sedans
- SUVs
- Trucks
- Hybrids
- Luxury cars
- Older vehicles (with mileage limits)
This wide range appeals to drivers with used or aging vehicles. However, not all plans are available for every car. Make sure to check if your model qualifies before signing up.
How Much Does MotoAssure Cost?
The cost of a MotoAssure warranty varies. It depends on factors like:
- Your vehicle’s age
- Your mileage
- The coverage level you choose
- Your location
On average, plans cost between $70 and $120 per month. Some customers also report upfront fees. According to MotoAssure reviews, you may need to negotiate to get the best deal.
What Are the Coverage Plans?
MotoAssure offers several plan types. While the company doesn’t list them clearly online, most reviews point to the following:
1. Powertrain Coverage
- Covers engine, transmission, and drivetrain.
- Ideal for high-mileage vehicles.
- Most affordable option.
2. Comprehensive Coverage
- Covers powertrain plus air conditioning, electrical systems, and more.
- Closer to a factory warranty.
- Higher monthly cost.
3. Wrap Coverage
- Fills gaps left by existing factory warranties.
- Customizable coverage.
- Useful for recent used vehicles.
Always read the fine print to understand what’s included or excluded.
Is MotoAssure Legit?
Yes, MotoAssure is a legitimate company. It has been in the vehicle protection business for several years. While it does not have a high rating on all review sites, it is not a scam.
MotoAssure is backed by Dealer Services, a known provider of vehicle service contracts. However, the company is not accredited by the Better Business Bureau (BBB). Some users also file complaints through the Federal Trade Commission (FTC) due to sales calls and denied claims.
Still, many customers report having no issues with the service, especially when they understand the terms.
Tips Before Buying a MotoAssure Plan
If you’re thinking about buying a plan, consider these tips from real users:
- Read the contract carefully
- Know what’s covered and what’s not.
- Ask about deductibles
- Some repairs require you to pay a portion.
- Negotiate the price
- Many customers say you can get a discount.
- Check your mechanic
- Make sure your repair shop accepts the warranty.
- Avoid pressure
- Don’t rush into a decision because a sales rep says the offer is “limited.”
Being informed helps you avoid surprises later.
MotoAssure vs. Other Warranty Providers
How does MotoAssure stack up against other extended warranty companies? Here’s a quick comparison:
| Feature | MotoAssure | CarShield | Endurance |
|---|---|---|---|
| Monthly Cost | $70–$120 | $89–$130 | $80–$150 |
| BBB Accreditation | ❌ | ✅ | ✅ |
| Online Quotes | ❌ | ✅ | ✅ |
| Transparency | Moderate | High | High |
| Customer Reviews | Mixed | Mostly positive | Mostly positive |
MotoAssure tends to fall behind in transparency and online tools. Still, it offers competitive pricing and wide coverage.
Real Customer Experiences
Here are some real snippets from MotoAssure reviews:
“They approved my repair for a blown transmission. I only paid $100. Totally worth it!”
— Carlos D., Texas
“They called me 5 times in one day. I asked them to stop but they didn’t.”
— Lisa M., Florida
“The sales rep was nice, but they didn’t explain the exclusions well. My alternator wasn’t covered.”
— Mark J., Illinois
These reviews show both good and bad sides. Customer experience varies depending on the rep, the plan, and the vehicle.
Should You Choose MotoAssure?
MotoAssure might be a good fit if:
- You drive an older vehicle.
- You want basic protection without high upfront costs.
- You can handle potential claim delays.
However, it might not be ideal if:
- You want instant support and high transparency.
- You dislike pushy sales tactics.
- You need full bumper-to-bumper coverage.
Final Verdict: Are MotoAssure Reviews Accurate?
After reading hundreds of MotoAssure reviews, one thing is clear: experiences vary widely. Some customers get great value, while others feel disappointed. The key is understanding your plan before you sign.
If you decide to go with MotoAssure:
- Do your homework
- Read your contract
- Ask questions
- Compare it with other providers
This way, you’ll know exactly what you’re getting.
Frequently Asked Questions
1. Is MotoAssure a scam?
No, MotoAssure is not a scam. It is a real company offering extended vehicle warranties. However, not all customers are happy with their experience.
2. How do I cancel MotoAssure?
You can cancel by calling their customer service number. Be sure to ask about refund policies.
3. Does MotoAssure cover oil changes?
No. Routine maintenance like oil changes is usually not covered.
4. Are there any hidden fees?
Some customers report unexpected fees. Always read the contract carefully.
Conclusion
MotoAssure reviews show a mixed picture. The company offers affordable plans and wide coverage. However, some customers face claim issues and confusing terms. If you go in prepared, MotoAssure can give you peace of mind. Just be sure to compare other providers and read every detail before signing on.
Always protect your investment. A vehicle protection plan can save you thousands — but only if it’s the right one.
