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WL Deductible on Maxcare Service Plans?

4.6K views 21 replies 13 participants last post by  Schismz  
#1 ·
My GCL “should” be arriving soon and I am trying to work out a Maxcare Extended Plan for her.

What I am seeing is that the vast majority of contributors I have come across have $100 Deductible.
I’m not sure that I have seen one contributor that had a $200 Deductible.
Huh, why is that?
I know we all have different levels of risk, but I just thought that I would have seen a more even balance between them.

I have a few quick quotes for the following:

7 Year 125,000 Miles
7 Year Unlimited Miles
8 Year 125,000 Miles

Comparing the $100 and $200 Deductible, the $100 ones seem to be about $500 - $700 more.
To me, that would mean that I would need to file a claim 5 to 7 times before I break even.

Sees like a lot of claims to me, not that it couldn’t happen, and we may not have many folks past the base 36K for reference.

Any feedback on what I may be missing would be appreciated.
 
#2 ·
When I looked in the past the savings would be gone after 1 or 2 visits under the MaxCare program.

Check out Ziegler....

 
#3 ·
Yes, that was one of the ones I am comparing, and the difference is as I mentioned above.
Were you using the plans I mentioned, or have they changed that much?
 
#4 ·
We did an 8X100K on the 2022 we purchased last June. You should call them - It was maybe a $250 difference between $100 and $200 deductible at that time.
As for us - They are buying back our 2022 Overland due to a few issues we have had from day1.
We return it next Tuesday.
We ordered a 2023 Overland 4Xe which is due in next week.
 
#5 ·
Agree with hobie1^ check out Seigler probably your best bet with a new Jeep.

There are a whole bunch of Mopar plans out there just got to research them all.
The Mopar Maxcare plan i bought has a $250 deductible and cost a little more but its good up to 160K miles as i typically tend to drive my vehicles into the ground.
And as a plus my approaching 60K mile WK2 did not need a dealership inspection with that plan when i signed up.
 
#7 ·
Currently, narrowing it down, on Zeiglers Website, Quick Quotes for my vehicle, with Deductibles and Differences:
So, it looks like, maybe, if you are looking for 60K or 75K, with a small price jump, you go for the $100 Deductible.
That might be why I see so many $100 Deductibles, the lower mileage takes a small hit.

Years
Mileage
Plan Code
Price $200
Price: $100
Difference:
8​
60,000​
WMT860N​
$1,410.00​
$1,615.00​
$205.00​
8​
75,000​
WMT875N​
$1,785.00​
$1,930.00​
$145.00​
8​
85,000​
WMT885N​
$1,695.00​
$1,975.00​
$280.00​
8​
100,000​
WMT8100N​
$2,265.00​
$2,680.00​
$415.00​
8​
125,000​
WMT8125N​
$3,025.00​
$3,620.00​
$595.00​
Years
Mileage
Plan Code
Price $200
Price: $100
Difference:
7​
60,000​
WMT760N​
$1,205.00​
$1,385.00​
$180.00​
7​
75,000​
WMT775N​
$1,620.00​
$1,745.00​
$125.00​
7​
85,000​
WMT785N​
$1,720.00​
$2,025.00​
$305.00​
7​
100,000​
WMT7100N​
$2,130.00​
$2,515.00​
$385.00​
7​
125,000​
WMT7125N​
$2,515.00​
$2,980.00​
$465.00​
7​
UNLIMITED​
WM7UNL2N​
$3,250.00​
$3,900.00​
$650.00​
 
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#11 ·
Currently, narrowing it down, on Zeiglers Website, Quick Quotes for my vehicle, with Deductibles and Differences:
So, it looks like, maybe, if you are looking for 60K or 75K, with a small price jump, you go for the $100 Deductible.
That might be why I see so many $100 Deductibles, the lower mileage takes a small hit.

Years
Mileage
Plan Code
Price $200
Price: $100
Difference:
8​
60,000​
WMT860N​
$1,410.00​
$1,615.00​
$205.00​
8​
75,000​
WMT875N​
$1,785.00​
$1,930.00​
$145.00​
8​
85,000​
WMT885N​
$1,695.00​
$1,975.00​
$280.00​
8​
100,000​
WMT8100N​
$2,265.00​
$2,680.00​
$415.00​
8​
125,000​
WMT8125N​
$3,025.00​
$3,620.00​
$595.00​
Years
Mileage
Plan Code
Price $200
Price: $100
Difference:
7​
60,000​
WMT760N​
$1,205.00​
$1,385.00​
$180.00​
7​
75,000​
WMT775N​
$1,620.00​
$1,745.00​
$125.00​
7​
85,000​
WMT785N​
$1,720.00​
$2,025.00​
$305.00​
7​
100,000​
WMT7100N​
$2,130.00​
$2,515.00​
$385.00​
7​
125,000​
WMT7125N​
$2,515.00​
$2,980.00​
$465.00​
7​
UNLIMITED​
WM7UNL2N​
$3,250.00​
$3,900.00​
$650.00​
Looks like 75K miles is the sweet spot to grab that $100 deductible! Since after 18 months I still haven't hit 3,000 miles I definitely won't need anything higher than that! I will probably be retired before this Jeep is 7 years old, and who knows, it might start roaming the USA around then.
 
#10 ·
No one can really answer your question for you, but I went with the $100 deductible because the price difference was not great and it would only take a couple visits to make up the difference.

As the price gap widens between the $100 and $200 deductible the choice is not as easy.

When I got it for the 2020 Trackhawk I went with the $0 deductible because it was for some reason only $300 more than the $100 deductible plan at the time.

So really it just depends on how much more the lesser deductible plan is and if you got the higher deductible plan would you put off taking it in because you don’t want to pay the higher deductible??

Decisions decisions decisions
 
#12 ·
No one can really answer your question for you, but I went with the $100 deductible because the price difference was not great and it would only take a couple visits to make up the difference.
As the price gap widens between the $100 and $200 deductible the choice is not as easy.
When I got it for the 2020 Trackhawk I went with the $0 deductible because it was for some reason only $300 more than the $100 deductible plan at the time.
So really it just depends on how much more the lesser deductible plan is and if you got the higher deductible plan would you put off taking it in because you don’t want to pay the higher deductible??
Decisions decisions decisions
Thanks, actually, I was just wondering if I was missing something as I was seeing so many $100 Deductible's in the comments and couldn't find one with $200.
What I was missing was that a lot of the folks must be in the lower mileage range.
As you say, and the chart shows, as the mileage increases, the price gap increases also.
 
#14 ·
I think some of the math depends on which model you have / how many high dollar options that are common issue items or just flat out expensive if they break: air suspension, pano roof, night vision (that camera HAS to be in the thousands), etc.

I do +/- 10k miles a year and went for the 8/85k/$200 for $1330 because with the air suspension (that I have lower each time I park, so it gets lots of use) I figure a single claim on that essentially puts me ahead on this warranty purchase.
 
#15 ·
Again, the discussion is, or was intended to be, about the chosen deductible and the math associated with that decision, not if you should get coverage or not.
Now, you are the first one I have seen with a $200 Deductible.
 
#17 · (Edited)
It's so cheap on a Toyota its silly not to get and you can use it at a Toyota dealer if you want. And you can return it for a pro rated refund later if you return it before the 5 years are up. And you can put it on a credit card if you have a card with decent reward points. Yes I work at CarMax but I was a customer first and it help me a lot on my wife's Nissan Rogue. Good luck with your purchase.
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#18 ·
It's so cheap on a Toyota its silly not to get and you can use it at a Toyota dealer if you want. And you can return it for a pro rated refund later if you return it before the 5 years are up. And you can put it on a credit card if you have a card with decent reward points. Yes I work at CarMax but I was a customer first and it help me a lot on my wife's Nissan Rogue. Good luck with your purchase.
This is not the Carmax product....it's the Mopar Maximum Care Extended Service Contract from the manufacturer. Unfortunately, many folks refer to it as "Maxcare" which is the name of the Carmax contract.
 
#22 ·
$200 deductible, 7 years was longest for unlimited miles (no 8 yr + unlimited I could find). Dear Mopar: thank you for committing to super-gluing my Hemi together for that time period. No problem running out of parts, since they'll keep right on making American Heavy Metal ... in Mexico, and probably selling it in Canada 🤷‍♂️