Are there waiting periods before coverage starts with Smart Autocare?

Yes, Smart Autocare requires a 30-day and 1,000-mile waiting period before coverage begins.

Can I take my car to any repair shop with Smart Autocare?

Yes, you can use any ASE-certified repair shop. Smart Autocare does not restrict you to a dealer network.

Do I have to pay costs upfront with Smart Autocare?

No. Smart Autocare pays the repair shop directly. You are only responsible for your deductible.

Are there mileage or age limits on Smart Autocare coverage?

Yes. Smart Autocare provides coverage for vehicles up to 20 years of age and up to 200,000 miles on the odometer.

Can I cancel my Smart Autocare plan?

Yes. Smart Autocare plans can be cancelled at any time with a 30-day money-back guarantee.

Can I transfer my Smart Autocare plan if I sell my vehicle?

Yes. Smart Autocare plans are transferable if you sell your vehicle, typically for a small transfer fee. Contact Smart Autocare directly for transfer details.

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Smart Autocare

Feb 13, 2026

Smart Autocare

Name: Smart Autocare Vehicle Service Contract
Brand: Smart Autocare
Availability: InStock
Rating: 4 (5 reviews)

Claim Profile

Provider Quality Score

Partner Status

Not Certified

35years in business

BBB Rating

A+

15 complaints in the last 12 months

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Insurance Backing & Rating

AAM Best Financial Strength Rating

Claims

$5.5M Paid Monthly

States

Headquarters

About

Smart AutoCare has been providing vehicle service contracts since 1990. Their plans are insured by “A”-rated carriers and accepted nationwide at any ASE-certified repair facility. They emphasize fast claims turnaround, with most approvals paid by credit card within two hours.

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Reviews

Smart Autocare

not

affiliated

with

Chaiz

and

does

not

participate

the

Chaiz

online

marketplace.

Our

review

reflects

available

data

such

customer

reviews,

business

history,

and

BBB

accreditation

and

ratings.

Provider Quality Score

Calculated by Chaiz based on three key factors:

3.9

Customer Review

Based on aggregated consumer ratings from major platforms such as Trustpilot, Google, Yelp etc.

Chaiz Transparency

Reflecting Chaiz's own assessment of each provider's transparency, plan quality, certification status.

Chaiz Transparency

Not reviewed /not affiliated with Chaiz.

4.2

Business Reliability

Incorporating BBB status, letter rating, complaints history, years in business and financial backing + strength.

Learn more about our certification and review process.

Where to buy protection from Smart Autocare?

Smart Autocare is not affiliated with Chaiz and cannot be purchased online through our platform. Their plans are offered exclusively at select dealerships. To compare online quotes from other providers, browse the protection plans available on Chaiz:

Online via Chaiz.com

Provider Website

Local Dealerships

Get a Quote

Take a look at which other providers offer online quotes

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Optional Add-ons

Claims

How to file a Claim

Initial Call – Start your claim by calling Smart AutoCare customer service at (800)-321-9884 or fill in the form and provide your information. Then have your ASE-licensed repair facility contact Smart AutoCare with the repair details.
‍Claims Description – The Claims Department will review the diagnosis from your repair facility and issue a decision, usually within a few hours. Updates are communicated directly to the repair facility.
‍Cost Allocation – Once approved, repairs only begin after authorization. Payment is made directly to the repair facility by credit card (usually within 2 hours) or by mailed check. Customers are only responsible for deductibles and non-covered items. ‍
Pick up your repaired car – Once the work is done, collect your car and get back on the road.

Roadside Assistance

Call (888)-246-2014 for Roadside Assistance.

Included in most plans.

Coverage Limits

Mileage & Vehicle Age

Smart AutoCare provides coverage for vehicles of up to 10 years of age and 150,000 miles on the odometer.

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Pre-Exisiting Conditions

Similar to insurance, vehicle service contracts only cover future mechanical issues — not pre-existing conditions. Securing coverage before problems arise ensures you're protected when it matters most.

Cancel or Transfer a Plan

Cancelations

You can cancel your plan at any time. Refund policies may vary; specific terms are outlined in individual contracts.

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Transfer a Plan

Service contracts are fully transferable to new owners, enhancing vehicle resale value.

Frequently Asked Questions

Are there waiting periods before coverage starts?

Yes, 30 days/1,000 miles.

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Can I take my car to any repair shop?

Yes, as long as they are ASE-certified.

Do I have to pay any costs upfront?

No, Smart Auto Care pays the dealer or shop directly. Only thing you are responsible for is your deductible.

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Are there mileage or age limits?

Smart AutoCare provides coverage for vehicles of up to 10 years of age and 150,000 miles on the odometer.

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Glossary

Deductible 

The amount customer is responsible for per claim.

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Extended Warranty 

Often used interchangeably with Vehicle Service Contracts (VSCs), extended warranties offer additional coverage for vehicle repairs—usually beyond the duration of the manufacturer's warranty that comes with new vehicle purchases.

Vehicle Service Contract (VSC) 

The contract that covers the cost of repairs and breakdowns.

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Exclusion

Repairs or parts not covered.

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