Introduction to MotoAssure
What Is MotoAssure?
MotoAssure is a company that offers extended vehicle service contracts—often referred to as aftermarket car warranties. These contracts help cover the cost of unexpected repairs after your manufacturer’s warranty expires. Unlike typical warranties that only come with new cars, MotoAssure provides protection even for older or used vehicles.
How MotoAssure Works
When you purchase a plan from MotoAssure, you essentially get a contract that promises to cover specific repairs or services on your vehicle. If your car breaks down and the issue falls within your plan’s coverage, you can take it to a licensed repair facility and MotoAssure will handle the cost, minus your deductible.
Services They Offer
MotoAssure’s offerings include:
- Powertrain and bumper-to-bumper coverage
- Roadside assistance
- Rental car reimbursement
- Trip interruption benefits
- Coverage for electrical systems and air conditioning
The Need for Vehicle Service Contracts
Why Extended Warranties Matter
Let’s be real—cars break down. And when they do, it’s never cheap. That’s why extended warranties are gaining popularity. A single transmission failure can set you back thousands. With a service contract, you’re not left scrambling to pay the repair bill.
Common Issues With Manufacturer Warranties
Manufacturer warranties usually expire after 3 to 5 years or around 36,000 to 60,000 miles. After that, you’re on your own. Most mechanical issues actually start popping up after that window, which is exactly when you’ll wish you had backup.
Where MotoAssure Fits In
MotoAssure steps in once the factory warranty expires. Their coverage fills in the gaps and keeps your car protected when you need it most. The idea is peace of mind—knowing someone’s got your back when your car decides to throw a tantrum.
Real User Experiences
Positive MotoAssure Reviews
Fast Claims & Customer Support
Many customers have shared that their claims were processed quickly—often within 24-48 hours. Support reps are noted to be friendly and helpful, which is rare in the warranty industry.
Easy-to-Understand Plans
People also appreciate how transparent the plans are. No confusing legalese or small print—just clear terms and expectations.
Negative MotoAssure Reviews
Delays in Reimbursements
Some users complained about delays in getting reimbursed for repairs, especially if they didn’t use a preferred repair facility or missed a documentation step.
Plan Cancellation Issues
A few reviews also mention that canceling a contract isn’t always smooth. Some were hit with administrative fees or long processing times.
Key Features of MotoAssure
Comprehensive Coverage
MotoAssure provides coverage that includes engine, transmission, drive axle, electrical components, and even air conditioning. Optional add-ons can include tech packages and luxury electronics.
Nationwide Repair Shop Access
They work with thousands of ASE-certified repair shops across the U.S., so you’re not limited to a single service center.
24/7 Roadside Assistance
This includes towing, flat tire changes, lockout help, and fuel delivery—available any time, any day.
Transferable Contracts
If you sell your car, the remaining coverage can be transferred to the new owner, which could increase your vehicle’s resale value.
Pricing & Plans
How Much Does MotoAssure Cost?
Pricing varies based on your car’s make, model, age, and mileage. On average, plans range from $100 to $150 per month. Most contracts run between 3 to 5 years.
Payment Flexibility
You can pay upfront or opt for monthly installments. There’s usually a down payment required, followed by manageable monthly fees.
Comparing with Competitors
MotoAssure tends to be more affordable than some big-name competitors like CarShield or Endurance. However, the tradeoff may come in the form of slightly more limited add-on options.
Customer Service Experience
Contact Options
Support is available via phone, email, and sometimes live chat. There’s also a customer portal where you can manage your contract and claims.
Support Hours & Responsiveness
Typical hours are Monday through Friday, 9am to 7pm EST. Most users report that hold times are under 10 minutes, which is impressive in this industry.
Claim Processing Time
Simple claims are usually approved within a day or two. More complex repairs may take longer due to additional paperwork or diagnostic checks.
Is MotoAssure Legit?
BBB Rating and Accreditation
MotoAssure is accredited by the Better Business Bureau (BBB) and currently holds a B+ rating. They’ve resolved the majority of complaints, which shows effort in customer satisfaction.
Online Trust Signals
They have mixed reviews on platforms like Trustpilot and SiteJabber. While there are some angry customers (common in this niche), there are also plenty of satisfied ones.
Company Transparency
MotoAssure clearly outlines what’s covered and what’s not. No hidden fine print. That’s rare and definitely a plus.
Pros and Cons of MotoAssure
Advantages
- Affordable monthly plans
- Wide range of coverage options
- Good customer service
- Fast claims approval
- 24/7 roadside support
Downsides
- Some delays in reimbursements
- Cancellation policies could be smoother
- Not all plans cover luxury or exotic cars
Who Should Use MotoAssure?
Ideal Customers
- Owners of used or high-mileage vehicles
- Drivers who travel frequently
- People who want financial protection from surprise repair bills
Who Should Avoid It?
- New car owners still under factory warranty
- DIY mechanics who fix their own cars
- Drivers who rarely use their vehicles
How to Sign Up
Steps to Get Started
- Visit the official MotoAssure website.
- Enter your vehicle’s details.
- Choose a plan that fits your budget.
- Speak to a rep if you need help.
- Finalize the contract and payment.
Things to Watch For During Enrollment
- Check if pre-existing conditions are excluded
- Ask about deductibles
- Confirm the cancellation and refund policy
Tips Before Purchasing a Vehicle Service Contract
Read the Fine Print
Always read what’s included—and more importantly—what’s not.
Ask the Right Questions
Things like: Is roadside assistance included? Can I take my car anywhere?
Compare Multiple Providers
Never settle on the first offer. Always shop around for the best deal.
Final Verdict
MotoAssure offers solid extended vehicle protection at a fair price. If you’re out of your manufacturer warranty and want peace of mind, this could be a smart investment. Like any service, it’s not perfect—but it’s one of the better options out there.
FAQs
1. Does MotoAssure cover all vehicles?
Most cars are eligible, but exotic or very high-mileage vehicles might be excluded.
2. How long does coverage last?
Plans typically last 3–5 years, depending on what you choose.
3. Can I cancel MotoAssure anytime?
Yes, but you might incur a small cancellation fee depending on your plan.
4. Are pre-existing conditions covered?
Usually not. Issues that existed before your coverage started are typically excluded.
5. Is MotoAssure available in all states?
Most U.S. states are covered, but always check during signup to confirm.