I just got a 2005 xa 2.0 yesterday, and was reading over the vehicle service contract for it, and am starting to think that it will be a waste of money. does anyone have any advice or recommendations on buy or not buying one? the high expected reliability is why i am starting to think the service contract is a waste. i got it for 3 years/36k miles. And i also got gap insurance on it, but that does seem like a good thing. ill post up an introduction later. i just wanted to make a decision on this real quick so if i dont want it i can cancel it when i go back to the dealership today or tomorrow.

I just got a 2005 xa 2.0 yesterday, and was reading over the vehicle service contract for it, and am starting to think that it will be a waste of money. does anyone have any advice or recommendations on buy or not buying one? the high expected reliability is why i am starting to think the service contract is a waste. i got it for 3 years/36k miles. And i also got gap insurance on it, but that does seem like a good thing. ill post up an introduction later. i just wanted to make a decision on this real quick so if i dont want it i can cancel it when i go back to the dealership today or tomorrow.

I would definitley get the extended warranty. Now are you going to be doing off the wall stuff to that xA? if not and just beat around town with it, no question I would pick it up. Its to your benefit and since the xA is not around anymore I would. As for the GAP coverage, I will let Just!n answer this since his the insurance man out there.

i often hear that they are a waste because if you don't keep up very meticulous maintenance with the correct garage (usually has to be the dealer), they "service contract" wont cover anything. and it's not like it covers the cost of any of the maintenance items anyway, only unexpected "Breakdown" stuff, after the $100 deductible. if i had plenty of money to spare, it wouldn't be a problem, but i'm already about 100 over my budget now.

and yeah, i'm just using it for going around town, maybe a vacation once a year. once i get out from under some of my bills i will worry about some mods, but nothing now, or for a long time.

if you guys do recommend keeping the service contract, do you know any cheaper places to get it through? they are charging me $2k for 3 years/36k miles.

Yikes, that seems pretty steep. How many miles are on the xA already? $2k seems kinda excessive. That'd buy a lot of parts/repairs over the next three years, assuming nothing major breaks (motor/tranny). I had a couple back in the day that I paid for but never used. Read the fine print, for sure. I'm pretty anal about maintenance & preventative stuff that I think, at least for me, most of those things are a waste...//TJ

yeah it is a bit steep, but I had my extended warranty impounded on our loan.

That is really high. On my tC, I got the 100k warranty for 1250

yeah, i felt that was a bit pricey. they added it into the car payment for convenience, but if i can save money by buying my own plan, i wouldn't mind giving up the convenience of one bill.

on another note, does anyone know if usaa provides their own extended warranty or gap insurance? theyre my provider.

That is really high. On my tC, I got the 100k warranty for 1250

who did you go through?

Maintenance is pretty easy and pretty cheap for the xA, I would suggest not even buying one in the first place... ESPECIALLY if you plan to modify the vehicle.

and yeah, i'm just using it for going around town, maybe a vacation once a year. once i get out from under some of my bills i will worry about some mods, but nothing now, or for a long time.



Check with your insurance carrier to see if they offer any type of extended warranty coverage for your car. The company I work for doesnt, but I know some companies do, so give that a shot.

I got my tC through Avondale Toyota/Scion

There is a guy in the north east region of SL that works for Toyota and sells warranties for $895. For $2k I'd definitely cancel it, sounds like the dealer put the screws to you.

There is a guy in the north east region of SL that works for Toyota and sells warranties for $895. For $2k I'd definitely cancel it, sounds like the dealer put the screws to you.

got any contact info?

I got a email from him somewhere.....lemme check

I can't find that email and searched here for his info but I think it was on the previous edition of SL

I'd put a post up in the NE section and see if you can get someone who remembers him to get you the info.

As far as warranty...........the thread below should quiet everyone down, considering it was started by a guy who works for Toyota.

"The truth about voiding your warranty"
http://www.scionlife.com/forums/showthread.php?t=21642&highlight=warranty

alrighty, ill post up there and see what i can catch. i know technically they cant void the warranty just because of aftermarket parts, but a lot of my friends have had problems with being dismissed at stealerships automatically blaming any problems on aftermarket stuff. i don't plan on doing anything to it right now anyways though, no extra money.

did you mean troy that they are talking about in this thread? http://www.scionlife.com/forums/showthread.php?t=111634&page=2

^^^^ Yup that's it.

Check with your insurance provider on the GAP coverage. I've used State Farm for about 15 years & I know they offer it. Also, I'm pretty sure USAA can probably do the warranty &/or GAP. I bank locally with Desert Schools & I know they offer warranties. For me, GAP is more important than a warranty, if you owe more than the car is worth. Again, that would depend on the mileage. Good luck with whatever you decide to do, & welcome to the family...//TJ

so i talked to that Troy guy, and he can only get the good deals on buying a brand new scion that is still under the factory warranty. guess ill call my insurance.

Search the net, there are TONS of companies that offer warranties. Shop around.

ive done some searching, most sites seem so sketchy, or they have to call me to give me a quote.

Yeah, I'd definitely watch who you go with. I had one a few years ago on my TL from "Great Lakes Warranty Co". It was total BS. $100-500 deductibles & they actually would track down used parts to send to whoever was doing the work. And the labor only covered up to $40/hour. Obviously, I failed to read the fine print in the paperwork. Luckily, when we had a tranny issue, Acura stood behind their product & we ended up very little out of pocket, even though the car was out of factory warranty by that time...//TJ

^^^ you said tranny.


Talk with Just1n here. I'm sure he can help you out in one way or another.

you're a tranny. LOL.

well i got some good news! i called my insurance (USAA) and though they dont offer extended warranties as of right now, they will be starting very soon and they gap insurance AND they are trying to refinance me already lol.

USAA is the sh*t. I've yet to see a company that can match any of their rates.

yeah man! i think its cause they aren't available to just anyone, so they aren't risking their money on higher risk people

^^^ you said tranny.



Huh huh, huh..."tranny"...heheheheheh...//TJ


USAA is the sh*t. I've yet to see a company that can match any of their rates.

x2. I use Desert Schools for my local banking stuff, but still keep my USAA accounts too...//TJ

I sold service contracts when i was a finance manager @ Peoria Kia.. Its garbage and a rip off. Just put your money in the bank

I sold service contracts when i was a finance manager @ Peoria Kia.. Its garbage and a rip off. Just put your money in the bank

are you talking both the service contracts and gap insurance? or just the contracts? im going to see what usaa has to offer when they roll out their program, but i think i will cancel the one with toyota.