CarGuard Administration
CarGuard Administration is a vehicle service contract administrator that designs, white-labels, and adjudicates extended warranty plans for automobile dealers and partners across 48 U.S. states, with ASE-certified mechanic claims adjusters handling processing.
- Company typePrivate
- Founded2015
- HeadquartersPhoenix, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CarGuard Administration does
CarGuard Administration is a third-party administrator of vehicle protection plans (extended vehicle service contracts) operating a B2B2C model. The company white-labels and administers coverage products through automobile dealers and partners, with individual consumers as end beneficiaries. Its product portfolio includes three tiered mechanical coverage plans—Platinum (exclusionary, up to 150k miles), Gold (exclusionary, broad component coverage), and Powertrain (core component coverage)—plus add-on prepaid maintenance plans and a payment protection program (Worry Free Loan Assistance) that covers involuntary unemployment. Contracts are multi-year and backed by a Contractual Liability Insurance Policy, with limits of liability up to $12,500 or the actual cash value of the vehicle, whichever is greater.
The company operates no proprietary technology platform of its own; claims filing and service record submission are routed through Monday.com forms, and claims are adjudicated 24/7 by ASE-certified mechanic adjusters. Coverage is available in 48 U.S. states (excluding Washington and California), with roadside assistance, rental car benefits, and trip interruption included across tiers. The company is BBB Accredited with an A+ rating and PCI-compliant.
Commercially, CarGuard generates revenue by administering vehicle protection plans for dealers and partners, collecting premiums and processing claims for fees. Pricing is quote-based and not publicly disclosed. The company was founded in 2011 in Overland Park, Kansas (one source conflicts with 2015) and relocated to Phoenix, Arizona in 2020. It operates with 11-50 employees and has no disclosed external funding, acquisitions, or public leadership team.
CarGuard Administration firmographics
Firmographics- Name
- CarGuard Administration
- Legal name
- CarGuard Administration, INC
- Website
- https://carguardadmin.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CarGuard Administration is a vehicle service contract administrator that designs, white-labels, and adjudicates extended warranty plans for automobile dealers and partners across 48 U.S. states, with ASE-certified mechanic claims adjusters handling processing.
- Ownership category
- akta.pro rank
CarGuard Administration industry classification
Industry- Product category
- Vehicle Service Contract Administration
- NAICS
- Insurance Carriers and Related Activities (524)
- akta.pro primary industry
- Powertrain & Component-Specific Vehicle Warranty Programs (FSAJALAK)
- akta.pro secondary industry
- Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)
Keywords
Where CarGuard Administration is headquartered
LocationHeadquarters
- HQ city
- Phoenix
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
CarGuard Administration business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Vehicle Protection Plan Administration: CarGuard Administration generates revenue by administering vehicle protection plans (extended warranties) for dealers and partners. The company collects premiums and processes claims, earning fees for administration and claims handling services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Platinum coverage for new cars up to 125k or 150k miles |
| Other | Multi-year contract | Gold protection covering Air Conditioning, Drive Train, Steering, Fuel Systems |
| Other | Multi-year contract | Powertrain coverage for Engine, Turbo/Supercharge, Transmission, Drive Axle, Transfer Case |
| Other | Multi-year contract | Prepaid Maintenance including 3 oil changes, brake pads/shoes, battery replacement and cooling system maintenance |
| Other | Multi-year contract | Payment Protection Program for involuntary unemployment |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
CarGuard Administration product offering
Product offeringCore offering
CarGuard Administration administers vehicle protection plans and extended service contracts on behalf of automobile dealers and lending partners across 48 U.S. states. The company processes claims using ASE-certified mechanics and offers tiered coverage (Powertrain, Gold, Platinum) along with prepaid maintenance and payment protection products. Its operations are backed by CLIP reinsurance and emphasize pro-consumer contract language and white-glove service.
Product overview
CarGuard Administration is an administrator of Vehicle Protection Plans offering a tiered portfolio of coverage products. The core product line includes Platinum Coverage (comprehensive exclusionary coverage with multiple sub-tiers for different mileage thresholds), Gold Coverage (almost-every-component exclusionary coverage), and Powertrain Coverage (core component coverage for Engine, Transmission, Drive Axle, and Transfer Case). Add-on products include Prepaid Maintenance (scheduled service coverage including oil changes, brakes, battery, and cooling maintenance) and the Worry Free Loan Assistance Program (payment protection during involuntary unemployment). All protection plans include limits of liability of $12,500 or actual cash value (whichever is greater), plus roadside assistance and rental car benefits. The company serves customers and business partners (dealers/retailers) across 48 U.S. states, with claims adjudication handled 24/7 by ASE-certified mechanics.
Differentiator
Problem solved
Functional benefit
Products and services
- Platinum Coverage Top-tier vehicle protection plan offering the highest level of mechanical breakdown coverage administered by CarGuard for automobile dealers and finance partners and their consumers.
- Gold Coverage Mid-tier vehicle protection plan administered by CarGuard, providing an intermediate level of component coverage between the Powertrain and Platinum tiers.
- Powertrain Coverage Entry-tier vehicle protection plan administered by CarGuard, covering essential powertrain components such as engine, transmission, and drivetrain.
- Prepaid Maintenance Prepaid vehicle maintenance plan administered by CarGuard that bundles routine maintenance services into a contract sold through dealers and finance partners.
- Worry Free Loan Assistance Program Payment protection program administered by CarGuard that provides loan assistance coverage for consumers with financed vehicles, distributed through dealer and lending partner channels.
Quantifiable outcome
- Over 80% of customers experience a breakdown during their protection plan
- +2 more outcomes
Companies that use CarGuard Administration
Customer profileNamed customers18 records
Segments3 records
Ideal customer profiles2 records
CarGuard Administration technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
CarGuard Administration partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights3 records
CarGuard Administration competitors and assessment
Company assessmentDirect peers
- CarShield: Direct-to-consumer vehicle service contract administrator offering extended warranties across multiple coverage tiers. Closest direct competitor to CarGuard in the U.S. retail/admin VSC market.
- Protect My Car: Vehicle service contract administrator offering extended warranties and maintenance plans, comparable to CarGuard's Platinum/Gold/Powertrain plus prepaid maintenance mix.
- CARCHEX: Direct competitor offering extended auto warranty plans to consumers via dealer and digital channels with multi-tier exclusionary coverage similar to CarGuard's structure.
- Endurance Warranty: Major U.S. provider of extended vehicle service contracts with tiered coverage (platinum, gold, powertrain style plans) analogous to CarGuard's portfolio.
- AUL Corp: Independent vehicle service contract administrator serving dealers and consumers with tiered coverage programs; comparable B2B2C model to CarGuard.
- Easycare (APCO Holdings): Administrator of vehicle service contracts and ancillary F&I products sold through dealers; competes head-to-head with CarGuard for dealer channel relationships.
Broad incumbents
- Allstate Dealer Services: Established auto/warranty insurance provider selling service contracts and protection products through dealer channels; broader portfolio and brand recognition than CarGuard.
- Assurant (Assurant Solutions / AASA): Large incumbent providing vehicle protection plans and F&I products through dealer networks at much greater scale, with a much broader product portfolio than CarGuard.
- Zurich North America (Warranty & Vehicle Protection): Large insurer offering vehicle service contract administration and dealer protection products; competes in the same VSC/admin space as CarGuard at much greater scale.
- Warranty Solutions (Old Republic): Established vehicle service contract administrator within a larger insurance group, providing dealer-sold extended warranties and admin services directly comparable to CarGuard's offering.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
CarGuard Administration social profiles
Digital presenceCarGuard Administration compliance and trust
Trust signalCompliance1 record
CarGuard Administration financial estimates
Financial estimateRevenue estimate
Valuation estimate
CarGuard Administration leadership team
Management profileNumber of profiles
CarGuard Administration funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CarGuard Administration M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CarGuard Administration
What does CarGuard Administration do?
CarGuard Administration administers vehicle protection plans and extended service contracts on behalf of automobile dealers and lending partners across 48 U.S. states. The company processes claims using ASE-certified mechanics and offers tiered coverage (Powertrain, Gold, Platinum) along with prepaid maintenance and payment protection products. Its operations are backed by CLIP reinsurance and emphasize pro-consumer contract language and white-glove service.
Is CarGuard Administration a public or private company?
CarGuard Administration is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CarGuard Administration founded?
CarGuard Administration was founded in 2015. It employs 11 to 50 people.
Where is CarGuard Administration based?
CarGuard Administration is headquartered in Phoenix, United States, in the North America region.
How does CarGuard Administration make money?
One revenue line is on record: vehicle Protection Plan Administration.
Who are CarGuard Administration's main competitors?
Direct peers on record are CarShield, Protect My Car, CARCHEX, Endurance Warranty, AUL Corp and Easycare (APCO Holdings). Broad incumbents are Allstate Dealer Services, Assurant (Assurant Solutions / AASA), Zurich North America (Warranty & Vehicle Protection) and Warranty Solutions (Old Republic).
Does CarGuard Administration have an API?
No public API is recorded for CarGuard Administration.
What industry is CarGuard Administration in?
CarGuard Administration's product category is Vehicle Service Contract Administration. Its primary akta.pro industry code is FSAJALAK, Powertrain & Component-Specific Vehicle Warranty Programs, with a secondary code of FSAKADAL, Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans). Its NAICS code is 524.