Omega Auto Care stands out among vehicle service contract companies because its plans include routine maintenance, which most brands exclude or charge extra for. Covering oil changes, brake pads, battery replacements and lube jobs can save you hundreds of dollars a year, even if your car doesn't need a repair.
Another money-saver: Omega will waive its $100 deductible if you use a RepairPal-certified shop.
While its premiums are higher than some competitors', Omega customers enjoy valuable preventive care and long-term savings.
Omega Auto Care Extended Car Warranty
Policy highlights
Omega Auto Care offers three policies: a basic Powertrain plan, a Used Stated Coverage plan and a bumper-to-bumper New Exclusionary plan. Contracts include 13 months of routine maintenance, plus roadside assistance, tire repair, rental car reimbursement and trip interruption coverage
Eligibility
Up to 15 years or 250,000 miles.
Choose your garage?
Yes. The deductible waived if you use a RepairPal-certified shop
Availability
Omega Auto Care offers vehicle service contracts in all U.S. states.
Pros
- Covers vehicles up to 250,000 miles
- Roadside assistance benefits
- Deductible waived if repaired by a RepairPal-certified shop
Cons
- Plan choice is limited
- No mobile app
- Customers report issues with canceling coverage
Shop for an extended car warranty
Omega Auto Care plans
Omega Auto Care offers service contracts in all 50 U.S. states and Washington, D.C.
Powertrain Protection
(Under 250,000 miles/15 years) A basic policy covering major systems, including engine, transmission and drive axles. Three sub-tiers (Powertrain Enhanced, Powertrain Plus and Powertrain) have varying coverage levels for additional systems, like A/C, cooling, fuel systems and alternator/generator
Used Stated Coverage
(Under 150,000 miles/10 years) A mid-range policy that expands on the Powertrain plan by adding steering, brakes and electrical.
New Exclusionary
(Under 100,000 miles/7 years) Similar to a new car warranty, this bumper-to-bumper policy covers almost all components.
Additional benefits
- Maintenance coverage: All Omega Auto Care plans include 13 months of routine maintenance, including oil changes, brake pads, battery replacement, cooling system, lube maintenance and a free safety inspection
- Roadside assistance: includes towing, tire change, jumps and lockout service.
- Tire repair or replacement: up to $100 per tire (maximum $400) in the event of a roadside hazard
- Rental car reimbursement: $30 per day up to $150 per occurrence
- Trip interruption coverage: For a covered breakdown more than 100 miles from home, will reimburse up to $75 per day for up to three days.
Omega Auto Care requirements
To apply for an Omega Auto Care service contract, you’ll need the make and model of your vehicle, as well as its Vehicle Identification Number (VIN) and current mileage.
Age and mileage limits
Omega Auto Care accepts vehicles that are under 15 years old or that have under 250,000 miles on the odometer.
Waiting period
Most extended warranty companies impose a waiting period to ensure a vehicle is in good working condition; Omega’s 30-day period is typical in the industry. Policyholders must also drive an additional 1,000 miles before their policy is active.
Deductibles
The standard $100 deductible is waived if you use a RepairPal-certified shop.
Claims process
Notify Omega Auto Care's claims department at 877-850-0443 before taking your vehicle to a garage. (If you choose a RepairPal certified shop, the $100 deductible is waived.). The shop must get approval for any repairs from Omega, which will pay them directly.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
CarShield offers seven warranties, including bumper-to-bumper, powertrain, electrical systems, motorcycles and EVs. Contracts are administered by American Auto Shield.
Six tiers of coverage with no mileage restrictions. Benefits include coverage for tire and windshield (from road hazards), key fob replacement, roadside assistance and 30-day cancellation policy. Advantage plan covers maintenance, which is typically excluded.
How much does Omega Auto Care cost?
We requested a price quote for Omega’s top-of-the-line Exclusionary plan, which provides bumper-to-bumper coverage for six years or 75,000 additional miles, whichever comes first. For a 2021 Ford Escape with 50,000 miles, we were quoted a price of $137 per month for 24 months, with a 10% deposit.
Similar to an extended car warranty, mechanical breakdown insurance (MBI) covers unexpected mechanical or electrical issues that occur after your manufacturer's warranty has expired. Our top picks include Geico and AAA.
The primary difference is that MBI is typically available as an add-on to your car insurance policy. Additionally, while extended car warranties are available for older or higher-mileage cars, MBI is typically limited to newer vehicles.
How does Omega Auto Care compare?
Here's how Omega Auto Care stacks up against two major competitors.
Omega Auto Care vs. Toco
Omega and Toco are both direct sellers with a limited number of mileage-based plans. If your car has more than 150,000 miles, Omega's Powertrain plan includes components Toco's Green plan doesn't.
Both companies also received positive customer reviews and an A+ from the Better Business Bureau. Omega does have some complaints about denied claims and difficulty cancelling coverage, however.
Toco Extended Car Warranty
Policy highlights
Four mileage-based coverage tiers are available, along with 24/7 roadside assistance and rental car coverage. Policies are month-to-month and mechanics are paid directly by Toco for covered repairs.
Eligibility
Up to 20 years old or 250,000 miles
Choose your garage?
Yes
Availability
Toco offers service contracts in all U.S. states except Alaska, California, Missouri and Washington.
Pros
- Sell and administer its own plans
- Budget-friendly monthly payment plan
- Covers vehicles with up to 250,000 miles
Cons
- Not available in Alaska, California, Missouri or Washington
- 90-day waiting period
- Plan offerings based on vehicle mileage
Omega's waiting period is only 30 days, compared to up to 90 with Toco. On the other hand, Toco's plans are month-to-month with no down payment, while Omega requires a 10% down payment.
We can't forget that Omega covers routine maintenance for the first 13 months of your contract. That alone tips the scales in its favor.
Omega Auto Care vs. Olive
Digital-first Olive allows you to get a quote and buy your policy online, whereas you'll need to call customer service to obtain a quote and purchase an Omega plan.
Olive Extended Car Warranty
Policy highlights
Olive offers three plans: Bumper-to-bumper, powertrain and powertrain plus.
Eligibility
Up to 10 years or 140,000 miles.
Coverage terms
Covers up to 3 years or 185,000 miles, with no yearly mileage limits
Choose your garage?
Yes
Availability
Olive's extended car warranties are available in all U.S. states except Massachusetts.
Olive has stronger customer reviews and lower monthly premiums, but it also has shorter terms, fewer perks and tighter mileage and term caps. If you don't need any extras, it might be the right choice.
Omega's higher price tag comes with more enhanced roadside benefits, a higher mileage limit and routine maintenance for 13 months.
How do I buy an Omega Auto Care extended car warranty?
Omega Auto Care doesn't provide quotes or sell plans online, but you can contact customer service at 877-850-0443, Monday through Friday from 9 am to 8 pm ET, or Saturday from 9 am to 1 pm ET.
You'll need to provide your vehicle make, model, mileage and VIN before an agent will give you a quote. You can then purchase your plan with a credit or debit card.
Is Omega Auto Care right for me?
Omega Auto Care is a good option if you have an older vehicle or prefer to have routine maintenance covered.
It has a generally positive reputation, with a 3.7 out of 5.0 stars from the Better Business Bureau and over 70% of Trustpilot reviews rating the company four or five stars. Customers frequently commend the company's customer service, but some had complaints about denied claims and difficulties canceling contracts.
If those are red flags for you, consider an alternative.
Omega Auto Carer FAQs
Is Omega Auto Care legit?
Yes, Omega Auto Care is a legitimate company that has been selling vehicle service contracts backed by Lyndon Southern Insurance Company since 2012. Omega received an A+ from the Better Business Bureau and is a member of the Vehicle Protection Association and the Jacksonville Chamber of Commerce.
Does Omega cover tire repairs?
Yes, Omega does cover tires, but only for damage caused by road hazards. Repairs are reimbursed $20 per tire. If the tire needs to be replaced, Omega will reimburse you $100 per tire, up to a maximum of $400.
Does Omega Auto Care offer discounts?
Yes. Omega offers a variety of discounts, including for seniors and low-mileage customers who drive fewer than 10,000 miles per year. You can also reduce your rate by increasing your down payment above the 10% requirement or by paying the entire term upfront.
Can I cancel my Omega vehicle service contract?
You can receive a full refund from Omega Auto Care if you cancel within the first 30 days without filing any claims. After that, Omega will give a pro rata refund for the unused portion of your coverage, minus any claims and a cancellation fee. Some customers have reported difficulty cancelling their service contract with Omega and that refunds took longer than expected to receive.
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At CNBC Select, our mission is to deliver high-quality service journalism and comprehensive consumer advice to our readers, enabling them to make informed financial decisions. Every article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of personal finance.
While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content independently of our commercial team and any outside third parties. We take pride in maintaining high journalistic standards and ethics.
Our methodology
CNBC Select reviews extended car warranties using a variety of criteria, including rates, terms, mileage and vehicle age limits, availability, fees, payment options, online experience and customer satisfaction.
We also incorporate findings from independent sources, including ratings from the Better Business Bureau.
Sample rates were based on a 2021 Ford Escape with 50,000 miles.
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