Toyota Extended Warranty Thread U.S.(negotiated price list)

I can read more into it, but since I’m in a “room full” of folks who’ve done it - figured I’d take the easy (wise?) route and ask. lol
lol, good question. No worries, I also haven’t done it yet as I’m still waiting for my LC to arrive. You can add it anytime during your initial factory warranty. It can be purchased from any Toyota dealership. It is also transferable if you sell your LC before the warranty expires.
 
Here's the newb question for all the others who probably want to know - why the warranty?

I'm interested in investing in a good deal, but I definitely don't want to pay for something that's more hassle than it's worth. Is the VSA worth it?
Hi. Just got my FE and thus far did not opt for extended warranty. I sold my heavily modified ‘19 4Runner with 244k miles, also no warranty. Thankfully it was completely trouble free. The only car I ever purchased an extended warranty for was a second gen Prius, my thoughts were the hybrid system was fairly new with lots of stuff to break. Used it literally the same week I sold it. The AC went out. $900 for new compressor, didn’t cover the cost of the warranty but I didn’t have to come out of pocket for it either. The warranty was transferable and that was a big plus in selling.
Basically it’s a gamble, you’re betting it’s gonna break they’re not. These things make money, lots, for the entities selling them, so most likely don’t recover what they cost. The positive is it a plus for resell and you don’t have to come out of pocket for repairs. The downside is you likely won’t recover what you spend, maybe that’s good, it means your car didn’t break. Consider your financial position, if it would hurt you to come up with say 10k out of pocket then I wouldn’t do it.
 
Hi. Just got my FE and thus far did not opt for extended warranty. I sold my heavily modified ‘19 4Runner with 244k miles, also no warranty. Thankfully it was completely trouble free. The only car I ever purchased an extended warranty for was a second gen Prius, my thoughts were the hybrid system was fairly new with lots of stuff to break. Used it literally the same week I sold it. The AC went out. $900 for new compressor, didn’t cover the cost of the warranty but I didn’t have to come out of pocket for it either. The warranty was transferable and that was a big plus in selling.
Basically it’s a gamble, you’re betting it’s gonna break they’re not. These things make money, lots, for the entities selling them, so most likely don’t recover what they cost. The positive is it a plus for resell and you don’t have to come out of pocket for repairs. The downside is you likely won’t recover what you spend, maybe that’s good, it means your car didn’t break. Consider your financial position, if it would hurt you to come up with say 10k out of pocket then I wouldn’t do it.
That’s a good point. Both of your previous vehicles were also made in Japan like the LC. I do believe that even within the last few years vehicles have become increasingly more complicated. Meeting emissions standards, squeezing more power out of smaller displacement engines (higher compression), using lighter metals, direct injection, turbos, more technology, hybrid tech. Add to that pushing out required maintenance intervals (miles between oil changes, coolant replacement, transmission services, etc). Still it’s not quite the same vehicle with the naturally aspirated conservatively tuned motors Toyota built their reputation on.

I see the VSA in a similar fashion as car insurance (which makes a lot of money for the insurance industry) that most people will not use. Haven’t had to file a claim on any of them, thankfully. It’s a lot of money each year. If we got into a wreck there is a lot of liabilities, medical bills, lawsuits, and repairs. Best case scenario just vehicle damage that costs 5-10k, worst case multiple injuries (100k medical bills), totaled 50-70k vehicles.

Thanks to the information from this thread, the VSA will hopefully only cost a little over 2k for ten years 100k miles. Seven years and 64k miles of post factory warranty coverage comes out to about $315 for each of those seven years. For me it’s just another insurance. Hopefully will never need it but the piece of mind of not having to pay for any surprise 10k repairs is worth $315 a year to me.
 
Last edited:
I appreciate your answers.

It's a gamble. And, just like a casino - the algorithm is always against the customer, or the company wouldn't be in business.

But this is a bet you're hoping the house wins on. :)

I'm unsure what I will do, but I'm happy to have options, time, and more understanding based on your insight.
 
Do VSA warranty prices generally go up or down with mileage? Like is there any benefit to purchasing the VSA warranty as soon as possible when mileage is low, or does waiting towards the end of the factory 3 year change the price?
Thanks
 
Do VSA warranty prices generally go up or down with mileage? Like is there any benefit to purchasing the VSA warranty as soon as possible when mileage is low, or does waiting towards the end of the factory 3 year change the price?
Thanks.
Really good question. I don’t know the answer. My guess is no it shouldn’t, but you might get different answers from different sources. Most forum members shared their negotiated prices were below retail. As far as when they purchased their VSA, I forgot to add that question. Assuming most bought the VSA at the time they purchased the vehicle. I imagine that if you add the warranty later some finance managers will give different reasons/justifications for their price quotes. Maybe that’s an higher or lower price based on mileage, maybe up to their discretion. Again it’s a really good question and I don’t know the answer. Hopefully someone will chime in here and give an informed answer.
 
Last edited:
Currently (October 2024) this thread’s information is limited to the responses here within. So far Jerry Johnson at Midwest Toyota appears to have the market beat. Not a single dealer has offered better discounts. I read about him in this forum’s other (extended warranty) thread and another forum (ih8mud.com). I was expecting negotiated prices to be a little more here and there. Well hopefully more people will share about their deals. I will keep updating the list in the first post as more do.
 
Last edited:
1. Which plan: Platinum 10 yr/100,000 mile/$0 Deductible
2. What it cost $ 3,531
3. Which dealership? Rolling Hills Toyota, St Joseph, MO
4. A point of contact Finance Director 816-290-6246
 
It seems that inmates here are using VSA interchangeably with the Toyota extended warranty. I do not think they are the same, but I might be wrong.
 
It seems that inmates here are using VSA interchangeably with the Toyota extended warranty. I do not think they are the same, but I might be wrong.
I thought the same thing when I first started looking into it. For some reason Toyota calls their extended warranties “Vehicle Service Agreements” (VSAs) branded Extra Care …Platinum/Gold/Powertrain.

IMG_5535.jpeg


It’s definitely not what I would call it because it could be confused with a prepaid service contract.

Toyota Prepaid Maintenance Plans (PMPs) are called Toyota Care Plus. I am not sure though and my wife will be glad to tell you I am usually wrong. I have learned after 14 years of marriage she is always right, so there’s that.

 
Last edited:
I am not sure though and my wife will be glad to tell you I am usually wrong. I have learned after 14 years of marriage she is always right, so there’s that.
🤣🤣🤣 Dude.. you owe me a keyboard.

Seriously though.. I used to have the sig line “I might be wrong, just ask my wife” for many of my forums. Then it changed to “I might be wrong, just ask my X”.

Now, I am so glad she is gone.. My kids all know that I never want to be in the same area code as her.
 
Back
Top