When your factory warranty runs out or you’re shopping for a used car, one of the first questions smart drivers ask is: “Can I still get coverage?” The answer depends on a range of factors. Not every vehicle qualifies for an extended warranty, and knowing the eligibility rules can help you avoid disappointment—and more importantly, prevent costly repairs down the road. In 2025, with the average vehicle age increasing and car ownership lasting longer, demand for extended vehicle warranty plans is at an all-time high. This blog will walk through what determines your car’s eligibility for coverage and how to choose the right plan.

The first and most obvious factor is mileage. Most auto warranty companies have a mileage cap that determines whether your vehicle qualifies. While every provider has its own rules, cars under 160,000 kilometers (or around 100,000 miles) typically qualify for most standard extended warranty programs for cars. However, some companies do offer high-mileage options specifically designed for vehicles that have seen more road time. These high-mileage vehicle service contracts often come with limited component coverage but still provide meaningful protection against major repairs.

Age is another eligibility requirement. Many extended auto warranty programs set an age cap—often around 10 to 12 years from the original in-service date. If your vehicle is older, it might only qualify for a powertrain-only plan or a more basic auto warranty extension. If you’re driving a 2012 model in 2025, you may still have options depending on your provider. Companies like Empire Auto Protect offer automobile extended warranty programs for both newer and older vehicles, ensuring you’re not left out because of age alone.

Your vehicle’s repair history also plays a major role. Cars with a record of major mechanical failures may be denied coverage, or the plan may exclude those specific components. A mechanical protection plan is intended to shield you from unexpected failures—not ongoing problems—so providers will often require a vehicle inspection or request service records before approval. This is why having your repair history well-documented can improve your chances of qualifying for a better plan.

Another factor that determines eligibility is the type of car. Exotic brands, high-end luxury vehicles, or rare imports often have limited availability when it comes to extended car warranty options. The cost and complexity of repairs for these vehicles make it difficult for some warranty companies to offer coverage. That said, certain auto warranty companies specialize in broader coverage categories and offer plans even for less common vehicle types. It’s always a good idea to check with multiple providers and compare vehicle protection plans side-by-side.

If your car is a hybrid or electric model, eligibility can depend on whether the extended warranty includes EV-specific components like the battery pack, inverter, and onboard charging system. Some providers exclude electric systems entirely, while others, such as Empire Auto Protect, offer full-spectrum coverage with EV inclusions. Whether you need an auto extended car warranty or something more tailored, it’s critical to choose a plan that actually fits your car’s architecture and risk profile.

Location matters too. In some provinces and U.S. states, regulations affect how extended warranties are sold and structured. For example, some areas treat these plans as insurance products, which means providers must be licensed accordingly. If you’re buying an online auto warranty, check that the provider is authorized to sell contracts in your area. The best car warranty companies will have full transparency on where they operate and provide clear documentation for every plan they offer.

Let’s talk about vehicle modifications. If your car has been heavily modified—think engine swaps, performance exhausts, or aftermarket suspensions—it may be ineligible for many car warranty plans. Modifications can impact the reliability of factory components and create unknowns for the warranty provider. Even cosmetic mods, if not disclosed, may affect your eligibility. If you’ve modified your vehicle, always disclose those changes when getting a quote for an auto car extended warranty.

When applying for coverage, honesty is essential. Misreporting the mileage, vehicle condition, or service history can not only disqualify you from a plan—it can void your existing policy down the road. The best car warranty companies will guide you through the application process and offer support to make sure your vehicle qualifies without confusion.

Another tip: Don’t wait until something breaks to consider a warranty. If you apply for an extended car warranty while everything is still working properly, your chances of being approved—and receiving more comprehensive coverage—are much higher. A common mistake is waiting too long, only to find out you’re no longer eligible. Whether you’re looking for a car warranty deal on a used vehicle or simply want to protect your daily driver, timing is everything.

One great option for buyers is the availability of tiered plans. Empire Auto Protect, for example, offers multiple levels of coverage—from essential powertrain protection to exclusionary bumper-to-bumper coverage. These vehicle service protection tiers allow more vehicles to qualify by adjusting coverage based on the car’s age, mileage, and condition. Even if you don’t qualify for top-tier coverage, having access to mid-level protection can still save you thousands in repairs.

Extended warranty eligibility also ties into how the plan is funded. Some vehicle service contracts are insured, meaning your protection is backed by a licensed insurance company. Others are direct administrator plans managed in-house. While both models can be valid, you should choose one with financial stability and a track record of claims support. When you’re evaluating providers, look for online reviews, BBB ratings, and ask about claim turnaround times.

It’s also important to understand the exclusions. Every warranty—no matter how broad—has fine print. Things like routine maintenance, cosmetic damage, pre-existing issues, and wear-and-tear items (like brake pads or tires) are generally excluded. However, the more comprehensive your vehicle service contract, the fewer gray areas you’ll have to navigate. Always compare contracts line-by-line to make sure the coverage matches your expectations.

Used car buyers, in particular, benefit from warranties that offer transferable plans. A used car warranty that can be transferred to the next owner adds resale value and reassures buyers. It’s a feature many car protect warranty plans now include by default, but it’s worth confirming when you’re shopping around. Transferability can also be useful if you trade in your vehicle before the contract ends.

Finally, cost and coverage must be weighed together. A cheap plan might not offer enough protection, while an expensive one may include coverage you don’t need. Look for a plan that fits your driving habits, the age of your vehicle, and your future ownership plans. Whether you’re buying for peace of mind or to safeguard against financial shock, vehicle service contracts are flexible tools—as long as your car qualifies.

In 2025, extended warranties are no longer a luxury—they’re a necessity for many drivers. Repair costs continue to climb, and vehicles are more complex than ever. Ensuring your vehicle is eligible and covered under the right plan could mean the difference between paying thousands out-of-pocket or having your claim fully covered.

Empire Auto Protect makes the process simple. We offer customized coverage options, easy online applications, and clear eligibility guidelines for vehicles of all shapes and sizes. Whether you’re driving a low-mileage sedan, a high-mileage SUV, or a fully electric car, we’ve got a protection plan that fits.

Call 1-888-345-0084 to find out if your vehicle qualifies for coverage and get a fast, no-obligation quote today.