CPO, and Extended CPO Warranty -_ Regrets?
#16
Excellent explanation. Thank you.
Now you say, “But it is improved. In my estimate, the power supply has gone from 90/10 to about 60/40. Enough of an improvement for me to leave it alone.” So do you mean enough of an improvement to have the change out performed or so little improvement the best bet is to leave it alone?
Now you say, “But it is improved. In my estimate, the power supply has gone from 90/10 to about 60/40. Enough of an improvement for me to leave it alone.” So do you mean enough of an improvement to have the change out performed or so little improvement the best bet is to leave it alone?
I liken it to a 5.1 surround system at home. The processor is sending different signals and different levels of those signals to different speakers to create an experience. Rear speakers are for effect and don't carry the full load like the fronts. I get what they were trying to do but it should've been an optional setting that we can turn on/off - like a home stereo receiver has different program settings - and not a rigid default like it is.
Final thought - I'm not a 20 yr old any more, I don't often have full volume thrash sessions behind the wheel anymore (sometimes, though ) and I really find the sound quality of this base system to be really terrific overall.
#17
Yeah, I meant that I'm satisfied with the new amplifier. Still not the equally balanced, total immersive sound that we're used to in most other cars, but a good enough compromise of what Lexus was going for vs. what the customers wanted.
I liken it to a 5.1 surround system at home. The processor is sending different signals and different levels of those signals to different speakers to create an experience. Rear speakers are for effect and don't carry the full load like the fronts. I get what they were trying to do but it should've been an optional setting that we can turn on/off - like a home stereo receiver has different program settings - and not a rigid default like it is.
Final thought - I'm not a 20 yr old any more, I don't often have full volume thrash sessions behind the wheel anymore (sometimes, though ) and I really find the sound quality of this base system to be really terrific overall.
I liken it to a 5.1 surround system at home. The processor is sending different signals and different levels of those signals to different speakers to create an experience. Rear speakers are for effect and don't carry the full load like the fronts. I get what they were trying to do but it should've been an optional setting that we can turn on/off - like a home stereo receiver has different program settings - and not a rigid default like it is.
Final thought - I'm not a 20 yr old any more, I don't often have full volume thrash sessions behind the wheel anymore (sometimes, though ) and I really find the sound quality of this base system to be really terrific overall.
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F3Woody (01-05-23)
#18
I have a '22 ESh UL with ML. I sat in the back of my car for a drive not too long ago and I was shocked at how little volume there is from the speakers in the back (doors?). Huge difference. It's by design near as I can tell. The front gets multiple speakers in the dash, woofers in the doors, etc. The rear is an afterthought, especially the doors don't have enough speakers.
#19
I'm on Toyota/Lexus #5. I have faith in the brand and my ability to perform most, if not any service/job if need be. If I lose a headlight, I'm not going to Lexus for a $2,000 replacement. I'm going to eBay for $200 and popping it in in 15 min or less. Same goes for any amp, headunit, etc., things most likely to go wrong, if anything. Powertrain I have nearly complete faith in as its pretty much the best and strongest in the business and if i can't trust it, i can't trust any car. so i have a system and methodology behind my thinking beyond blind trust. it's about understanding where the risks are and having confidence in your ability to manage those risks. if you aren't the type to DIY work, then your calculation will be different.
#20
i have the 4 year warranty factory plus got an additional 7 years 70k for an extra $700 with $200 deductible when used when i purchase my car brand new.
Ally major guard protection covers everything but wear and tear
my 2022 is good until 2029.
300H ultra lux fully loaded
For the Lexus warranty I would definitely pass if it’s like 3-5k
put it in a high interest saving account and go from there . If it was German car I would definitely get a warranty.
Lexus are very boring cars I don’t have to pull over and add oil btw changes or coolant no check engine lights never had to go to a dealership miss the BMW ownership days not!
#21
i have the 4 year warranty factory plus got an additional 7 years 70k for an extra $700 with $200 deductible when used when i purchase my car brand new.
Ally major guard protection covers everything but wear and tear
my 2022 is good until 2029.
300H ultra lux fully loaded
For the Lexus warranty I would definitely pass if it’s like 3-5k
put it in a high interest saving account and go from there . If it was German car I would definitely get a warranty.
Lexus are very boring cars I don’t have to pull over and add oil btw changes or coolant no check engine lights never had to go to a dealership miss the BMW ownership days not!
Ally major guard protection covers everything but wear and tear
my 2022 is good until 2029.
300H ultra lux fully loaded
For the Lexus warranty I would definitely pass if it’s like 3-5k
put it in a high interest saving account and go from there . If it was German car I would definitely get a warranty.
Lexus are very boring cars I don’t have to pull over and add oil btw changes or coolant no check engine lights never had to go to a dealership miss the BMW ownership days not!
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Mrbungle11 (01-08-23)
#22
Sounds almost too good to be true, especially at that price!. Usually there are deductibles and exceptions to coverages. Also, typically 6 or 7 years total, meaning only two years AFTER 4 year factory warranty for 6 year TOTAL. But if your understanding is complete and correct, sounds like you got an exceptional deal. Good for you! Great for peace of mind.enjoy your car.
thank you so much the Ally warranty start on the date on sale just like the Lexus factory warranty . The Lexus warranty ends after 4 years 50k so I got an extra 3 years 70k.I heard all these things about the car but I guess I got super lucky cause it’s super quiet and no issue at all.car is indoor garage and I work nights so no sun damage for the ext and interior.driving this until the wheels fall off or at least 7 years.
same model if it’s to my liking .
no more gas for me. Hybrid is king
#23
Factory power train warranty already covers you for 72 mos/70,000 mi. That covers the big items and Hybrid stuff is warranted for 8 years and I think 100,000 miles. So you may want to consider that extra warranty expense on this super reliable car. Your call but I think I’d save the money.
#24
For my end of lease options I am being offered an 11 year total unlimited miles bumper to bumper Lexus warranty for $5400. Looked at the Ally Major Guard and would run around 1k/yr with mileage caps.
#25
#26
Hey an extra $700 for 7 years warranty that cover all computers navigation etc.
plus the Lexus power train and hybrid warranty.
I think 64 cents a day for an extra three year is worth the money.hell my garage cost per day.
plus the Lexus power train and hybrid warranty.
I think 64 cents a day for an extra three year is worth the money.hell my garage cost per day.
#27
don’t know how I got the deal I guess the finance salesman just wanted to make a sell cause I was like no no no I don’t need warranty and he was like look how $700 for 7 years 70k I was like fine in my Mind I just wanted to leave cause I had a 4 hour trip back home.
for that asking price of 1k for a year I would pass. Since my car is fully loaded with all the gadgets that could go wrong I was like $700 ok let me sign and get the hell out of here.!!
this is my first brand new car ever !
amd I got lucky I got the color combo I wanted .
Wish they made it with the panoramic roof.
#28
I'm always leary of extended warranties, and especially aftermarket non-manufacturer warranties. Ally doesn't get particularly good reviews, but seems better than most of the secondary providers.
Reputation
3.2
Coverage
4.5
Cost
4.5
Transparency
4.5
Customer Experience
4.0
Overall Rating
4.1
Today, the company partners with over 18,000 dealers to provide financing and vehicle protection products in addition to offering other services like banking and home loans. The company has an A rating from the Better Business Bureau (BBB) and a 1.1-star rating on Trustpilot.
Ally Premier Protection is a vehicle service contract available from participating dealers in most states. The coverage plans are administered by Universal Warranty Corporation, which is a subsidiary of Ally. The plans are insured by MIC Property and Casualty Insurance Corporation.
While prices for an Ally extended warranty vary, our 2022 survey which polled 1,000 respondents found that about half paid between $1,615 and $3,208 in total for an extended car warranty.
Ally extended warranty plans come with deductible options of $0, $100, and $200. The company allows drivers to finance the cost of a plan along with a vehicle loan in one monthly payment.
Ally Plan
Plan Details
Major Guard
This is an exclusionary policy and it covers over 7,500 components on the vehicle. Comparable to a bumper-to-bumper plan, it covers all major systems including the powertrain, electrical, high-tech components, the suspension, and air conditioning.
Major Guard EV
This option is for electric vehicle owners who want extensive coverage for their vehicle. This plan is the comprehensive Major Guard plan except catered to EVs.
Essential Guard
This plan covers the powertrain (engine, transmission, and drive axle) plus fuel delivery.
Feature Guard
This plan covers your vehicle’s tech and safety features, like GPS, airbags, and lane departure warnings.
Ally also offers other protection services including prepaid maintenance, guaranteed asset protection, and cosmetic protection plans.
Ally’s extended warranty doesn’t cover any of the following:
If you have a breakdown, follow these steps:
You can transfer an Ally extended warranty for $50. In some situations, secondary buyers appreciate an existing extended warranty, which can add value to your car. If you decide you don’t want the contract for whatever reason, you can cancel within 60 days for a full refund. After that, you’ll get a prorated refund.
– Margo F., BBB
– I., BBB
“Their upper management is very rude, arrogant, very unprofessional, and unwilling to help a long-time customer with multiple accounts.”
– Josefina, BBB
Universal Warranty Company, which handles claims, isn’t rated by the BBB, but it does have one customer review with a rating of five stars:
“First class organization. I had trouble with our car and the dealer did not contact them like they should have before making repairs. They still paid the claim in full.”
– Dave R., BBB
Ally Extended Warranty Review: 4.1 Stars
Ally has extensive coverage offerings and standard prices. Since Ally is an established financial institution, we don’t doubt the company can handle claims obligations easily. However, the company doesn’t have a great customer service reputation, and you have to purchase an Ally Premier Protection plan through a dealership.Reputation
3.2
Coverage
4.5
Cost
4.5
Transparency
4.5
Customer Experience
4.0
Overall Rating
4.1
About Ally Premier Protection
Ally began as the General Motors Acceptance Corporation (GMAC) in the 1920s with financial services in the auto industry. It added general banking products and services in 2008 and changed its name to Ally Financial in 2010.Today, the company partners with over 18,000 dealers to provide financing and vehicle protection products in addition to offering other services like banking and home loans. The company has an A rating from the Better Business Bureau (BBB) and a 1.1-star rating on Trustpilot.
Ally Premier Protection is a vehicle service contract available from participating dealers in most states. The coverage plans are administered by Universal Warranty Corporation, which is a subsidiary of Ally. The plans are insured by MIC Property and Casualty Insurance Corporation.
Ally Extended Warranty Cost
What you pay for an extended warranty depends on your car. Different makes and models are prone to higher or lower repair costs, and higher mileage also means higher repair costs. For example, the same Value Guard plan would cost more for a BMW with 100,000 miles than a Toyota with 30,000 miles.While prices for an Ally extended warranty vary, our 2022 survey which polled 1,000 respondents found that about half paid between $1,615 and $3,208 in total for an extended car warranty.
Ally extended warranty plans come with deductible options of $0, $100, and $200. The company allows drivers to finance the cost of a plan along with a vehicle loan in one monthly payment.
Ally Extended Car Warranty Coverage
The Ally extended warranty gives drivers a choice of four main protection plans: Major Guard®, Major Guard EV®, Essential Guard® and Feature Guard®. All Ally Premier Protection plans can cover vehicles up to 20 years old, but mileage limits aren’t specified. Here’s an overview of the four plans:Ally Plan
Plan Details
Major Guard
This is an exclusionary policy and it covers over 7,500 components on the vehicle. Comparable to a bumper-to-bumper plan, it covers all major systems including the powertrain, electrical, high-tech components, the suspension, and air conditioning.
Major Guard EV
This option is for electric vehicle owners who want extensive coverage for their vehicle. This plan is the comprehensive Major Guard plan except catered to EVs.
Essential Guard
This plan covers the powertrain (engine, transmission, and drive axle) plus fuel delivery.
Feature Guard
This plan covers your vehicle’s tech and safety features, like GPS, airbags, and lane departure warnings.
Ally also offers other protection services including prepaid maintenance, guaranteed asset protection, and cosmetic protection plans.
Additional Benefits
Ally Premier Protection plans come with the following perks:- Roadside assistance: Covers towing, jump-starts, spare tire installation, fuel delivery, and locksmith services (locksmiths not covered in Kansas)
- Rental car coverage: Reimburses up to $40 per day ($240 maximum) in the case of a covered repair (not available with Basic Guard)
- Trip interruption: Reimburses up to $150 per day ($750 maximum) if you experience a breakdown more than 100 miles from home
Ally Extended Warranty Exclusions
Ally Premier Protection covers mechanical breakdowns and failures. It doesn’t cover normal wear and tear, and it doesn’t replace wear items like brake pads. It also doesn’t cover scheduled maintenance.Ally’s extended warranty doesn’t cover any of the following:
- Damage from misuse or lack of maintenance
- Unauthorized repairs
- Damage from the environment or from accidents
- Modifications
How Ally Premier Protection Works
There are two ways you can get a quote for an Ally Premier Protection plan. You can either call the company directly, or you can visit a participating dealership. The website has a dealer locator tool, but not every state has a participating dealership.If you have a breakdown, follow these steps:
- Call roadside assistance to get a tow and protect the vehicle from additional damage
- Have your car sent to your choice of licensed vehicle repair shop in the U.S. or Canada
- Call the contract administrator at 800-631-5590 to authorize a repair
You can transfer an Ally extended warranty for $50. In some situations, secondary buyers appreciate an existing extended warranty, which can add value to your car. If you decide you don’t want the contract for whatever reason, you can cancel within 60 days for a full refund. After that, you’ll get a prorated refund.
Ally Extended Warranty Reviews
Ally has an A rating from the BBB. The company also has about three times as many complaints as reviews on the BBB website. Most of the reviews and complaints are about the company’s banking or auto financing services, so we’ll share a few examples that talk about customer service.Positive Ally Extended Warranty Reviews
“Customer service reps have been helpful anytime we’ve called with questions.”– Margo F., BBB
Negative Ally Extended Warranty Reviews
“Terrible customer service. I called three times and went through the same ordeal; I asked a very simple question and the representative asks me multiple personal questions to verify my identity just to tell me, ‘I cannot tell you anything over the phone, its policy.’”– I., BBB
“Their upper management is very rude, arrogant, very unprofessional, and unwilling to help a long-time customer with multiple accounts.”
– Josefina, BBB
Universal Warranty Company, which handles claims, isn’t rated by the BBB, but it does have one customer review with a rating of five stars:
“First class organization. I had trouble with our car and the dealer did not contact them like they should have before making repairs. They still paid the claim in full.”
– Dave R., BBB
#29
These non-dealer warranty companies, in general, have poor reputations. Seems they always find an out to not cover what goes wrong... And FYI they use aftermarket and rebuilt parts in repairs. Not factory such as Toyota or Lexus...
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LexFinally (12-19-23)
#30
Paid for the 9 year unlimited CPO warranty on my '21 es350 luxury for the peace of mind.
Came from a Honda '17 Honda CRV with 170k miles that I blew the heads on with no warning. I drive 15-20k miles a year as this is my work car so the peace of mind on this s with all the fancy trim is worth the price for me.
Came from a Honda '17 Honda CRV with 170k miles that I blew the heads on with no warning. I drive 15-20k miles a year as this is my work car so the peace of mind on this s with all the fancy trim is worth the price for me.
Hey Gang,
I'm starting to hone in on the 2019-2020 ES (buying pre-owned)
It appears that Lexus has a $2500-$3500 Premium for their CPO (which will extend factory warranty 2 years, with unlimited miles).
Then for an additional $3500-$5000 you can get 5 more years (total 11 years of coverage, bumper to bumper, unlimited mileage).
Is there significant value in their "Pick you up for service", "Pre-Paid Service" or any of their other "Sch-ticks"?
For those who have spent the extra money -- do you regret it? Or would you save the money, buy from an off brand dealer-- and keep on moving?
I'm starting to hone in on the 2019-2020 ES (buying pre-owned)
It appears that Lexus has a $2500-$3500 Premium for their CPO (which will extend factory warranty 2 years, with unlimited miles).
Then for an additional $3500-$5000 you can get 5 more years (total 11 years of coverage, bumper to bumper, unlimited mileage).
Is there significant value in their "Pick you up for service", "Pre-Paid Service" or any of their other "Sch-ticks"?
For those who have spent the extra money -- do you regret it? Or would you save the money, buy from an off brand dealer-- and keep on moving?