If you are worried about paying for mechanical issues after your car Factory Warranty Expiration, you may want to consider long-term protection. There are three RAM extended warranty options to choose from, but is the peace of mind worth the price?
In this article, we at the Home Media Reviews team will detail the coverage included in your Ram Extended Warranty, common issues Ram trucks encounter with age and coverage that may already be on your vehicle. We’ll also explain why coverage from a third-party warranty company might be a smart choice for your car and budget.
Anytime you’re shopping for coverage, we recommend getting quotes from several sources. You can get a free quote from Ram by contacting your local Ram dealer. To find out how much you’ll pay for third-party coverage, reach out to some of the Extended Car Warranty providers below.
RAM Extended Warranty Overview
The Ram Extended Warranty covers repairs and replacement of defective parts after the truck manufacturer’s warranty has expired. Coverage plans are managed by the Fiat Chrysler Automobiles Parts and Services division, Mopar® – which also offers warranties for brands such as Jeep and Dodge. Ram owners have three Mopar Vehicle Protection (MVP) plans to choose from: Maximum Care, Extra Care Extra and Powertrain Care Plus.
All warranty plans guarantee covered repairs using genuine Mopar parts, and buyers can choose a $0, $100 or $200 deductible. Warranty lengths are also customizable. Customers can choose terms ranging from five to eight years and 60,000 to 150,000 miles (125,000 miles for a maximum care plan).
The RAM Extended Warranty is standard in its coverage options. Customers have a range of term lengths to choose from, but the warranty doesn’t beat offers from many other automakers. One of the real advantages of the Mopar plan, though, is that you can get covered repairs at the Chrysler, Fiat, Dodge, Jeep and Ram repair facilities.
What is not covered?
Although the plans are comprehensive, not everything is covered under the Ram Extended Warranty. Here are some of the exclusions described in Mopar service contracts:
- Body paint
- window glass
- Headlights and other lights
- catalytic converters
- Damage caused by collisions (your collision insurance will cover you after an accident)
- Damage from environmental events such as hailstorms, tornadoes, fires, or tree sap (your full insurance will cover this type of damage)
- Neglect or abuse by the vehicle owner
- Damage from incorrect repairs
In addition to covering components, Mopar’s vehicle service contracts include a range of customer benefits. Most of these tools are meant to make the repair process easier, while some just add peace of mind:
- Road and Towing Assistance: FCA will cover up to $100 per event when you need a tow, battery hop, insurance or fuel delivery services.
- First day rent: If you have to rent a car or get a taxi after your vehicle is delivered to the store due to a covered mechanical issue, FCA will reimburse you for $35.
- Car rental payment: Should the repair take several days, contract holders can get $35 per day for up to five days for rental cars or taxi services (maximum $175).
- Trip interruption protection: If you’re more than 100 miles from home and have a covered avalanche, the Ram’s Extended Warranty will pay up to $1,000 for meals, rental cars, and accommodation expenses.
- Keychain repair and replacement: FCA will repair or replace key fobs up to three times within the warranty period, even if you no longer have the key.
- convertibility: Warranty contracts can be transferred to subsequent owners for a fee of $50.
With a Maximum Care plan, your towing allowance, roadside assistance, and trip interruption benefits expire at 100,000 miles.
What is the cost of an extended warranty of RAM?
The cost of your Ram Extended Warranty depends on your vehicle’s model, year, and mileage, as well as the coverage limits and deductible you choose. Like most automakers, Ram does not advertise extended coverage pricing. However, this can be to your advantage if you call for quotes from several Ram dealers in your area, as many merchants will match the offers.
During our research, we found Ram owners reporting an extended warranty cost between $1,900 and $4,100. Many buyers have also noted that it may be possible to obtain discount codes to lower the price of the RAM Extended Warranty.
It’s generally a good idea to get quotes from the dealer and a few independent escrow companies to make sure your agent gives you a fair cost and doesn’t add unreasonable rates or fees to the contract price.
Finally, keep in mind that if you buy a Ram Extended Warranty at a dealership and put the cost into financing your car, you will end up paying interest on it. This means that you will pay more for your coverage over time.
Do you need an extended RAM warranty?
Although extended warranties for cars seem like a smart investment on paper, they are not the best option for every driver. To decide if the Ram Extended Warranty is right for you, the first thing you should evaluate is the reliability of your vehicle.
Rams rank just below JD Power’s industry average American Vehicle Dependency Study for 2021SM, which measures the number of mechanical problems that car owners face. Ram owners reported 122 versions per 100 vehicles, and the industry average among the 32 car brands was 121. However, the Ram 2500/3500 was named the second most reliable large heavy pickup in the study.
In addition, auto repair estimation site RepairPal Reports that rams usually cost more to repair than other brands. It ranks the brand 23rd out of 32 auto brands for reliability—lower than any other truck manufacturer studied.
Our review team reached out to Ram for comment on these findings and received the following response: “Ram [Vehicle Dependability Study] The performance reflects gains from No. 11 among 18 non-premium brands, to No. 8. And in the latest Initial Quality Survey, which in our analysis is closely related to improving reliability in the future, the Ram 18 has risen a place to third in the industry. Furthermore, American records dating back to 1988 show that Ram trucks and their Dodge-brand predecessors account for the highest percentage of pickup trucks still on the road. We expect these trends to continue along this path.”
RepairPal estimates the average repair and maintenance cost for Ram models at $858 per year, which is $200 more than the industry average of $652. Here are some common fixes that RAM owners have reported and cost:
* Data from RepairPal
If your factory warranty has already expired and you do not have Ram Extended Warranty coverage, you will be responsible for paying any out-of-pocket repair costs as they arise. If you can comfortably fit unexpected malfunctions into your budget, you probably don’t need extra protection. But if you prefer financing car repairs over time, an extended warranty may be a smart buy.
What coverage do you already have?
If you are looking for an extended warranty for your Ram truck, you should check to see if you have any current coverage left on the vehicle. New cars from Ram dealerships come with the following factory warranty protections:
- Basic Limited Warranty: Ram bumper-to-bumper coverage lasts 3 years/36000 miles and covers everything from body panels to the electrical system.
- Powertrain Limited Warranty: FCA covers the engine, transmission, and drivetrain for 5 years/60,000 miles on gas vehicles and 5 years/100,000 miles on diesel engines.
The FCA also maintains a Certified Pre-Owned (CPO) program for vehicles that meet certain requirements. CPO vehicles must have less than 75,000 miles on the odometer, be less than five years of age and hold a clean title. Nor can it have any damage to the frame or aftermarket accessories that threatens safety, operation, or the vehicle’s emissions.
In addition, CPO vehicles must pass a 125-point inspection that is performed by an FCA-certified mechanic. If the vehicle receives the Seal of Approval, the buyer will receive a 7-year/100,000-mile powertrain warranty and a 3-month/3,000-mile Maximum Care Plan issue.
Pros and Cons of Independent Warranty Companies
Although Mopar protection plans offer a comprehensive level of coverage, there are options outside of the Ram Extended Warranty that may be a better fit for you. Independent warranty providers are usually able to offer similar levels of coverage at cheaper rates than the automakers.
Here are some advantages of choosing coverage from A A reputable car warranty companyAccording to our research team:
- You choose when to buy: Many dealerships require you to purchase extended coverage before the manufacturer’s warranty expires. Third party providers offer service contracts for vehicles of any age.
- More service sites: It is fairly common for an extended manufacturer’s warranty to limit service to dealerships. Independent service providers like Endurance allow customers to visit thousands of repair facilities, including local stores and larger service centers.
- Longer coverage: Ram’s extended warranty ends at 125,000 or 150,000 miles, but some providers offer contracts that extend up to the 250,000-mile mark.
On the other hand, you cannot guarantee that there are factory trained technicians or that original parts are used when choosing a third-party warranty company. Which one is right for you will depend on what is most important to you.
Getting the best price for extended coverage is like getting Best car insurance Rate – You will need to compare rates from several providers to find what works for you.
If you’re interested in finding out how much an extended warranty for your Ram truck will cost, use the buttons below to start getting free quotes.
* Accuracy of data at time of publication.