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If you are worried about paying for mechanical issues after your car’s factory warranty expires, you may want to look into long-term protection. There are three Ram extended warranty options to choose from, but is the peace of mind worth the price?
In this article, we’ll break down what coverage is included in a Ram extended warranty, common problems Ram trucks encounter as they age and the coverage you may already have on your vehicle. We’ll also explain the pros and cons of coverage from a third-party warranty company.
Anytime you shop for coverage, we recommend getting quotes from several sources. You can get a free quote from Ram by contacting your local Ram dealership. To see how much you would pay for third-party coverage, reach out to some of the extended car warranty providers below.
In this article:
- Ram extended warranty overview
- How much does a Ram extended warranty cost?
- Do you need a Ram extended warranty?
- Pros and cons of independent warranty companies
Ram extended warranty overview
The Ram extended warranty covers repairs and replacements of defective parts after a truck’s factory warranty expires. Coverage plans are managed by Fiat Chrysler Automobiles’ parts and service sector, MoparⓇ — which also offers warranties for brands like Jeep and Dodge. Ram owners have three Mopar Vehicle Protection (MVP) plans to choose from: Maximum Care, Added Care Plus and Powertrain Care Plus.
|Ram Extended Warranty||Warranty terms||Details|
|Maximum Care||8 years/125,000 miles||Exclusionary, bumper-to-bumper coverage for more than 5,000 parts|
|Added Care Plus||8 years/150,000 miles||Covers over 850 major components of the powertrain and other systems including the air conditioning, suspension, brakes and electrical|
|Powertrain Care Plus||8 years/150,000 miles||Powertrain warranty for pre-owned vehicles that covers the engine, transmission, drive system, steering and air conditioning|
All warranty plans guarantee covered repairs will be made with genuine Mopar parts, and buyers can choose a $0, $100 or $200 deductible. Warranty lengths are also customizable. Customers can choose terms between five to eight years and 60,000 to 150,000 miles (125,000 miles for the Maximum Care plan).
The Ram extended warranty is standard in its coverage options. Customers have a range of term lengths to choose from, but the warranty doesn’t outperform offerings from many other automakers. One real perk of a Mopar plan, though, is that you can have covered repairs done at Chrysler, Fiat, Dodge, Jeep and Ram repair facilities.
What’s not covered?
Although the plans are comprehensive, not everything is covered under the Ram extended warranty. Here are some exclusions outlined in Mopar’s service contracts:
- Body paint
- Window glass
- Headlights and other bulbs
- Catalytic converters
- Damage due to collisions (your collision insurance will cover you after an accident)
- Damage from environmental events like hail storms, tornados, fires or tree sap (your comprehensive insurance will cover this type of damage)
- Neglect or abuse by the vehicle owner
- Damage from improper repairs
Besides component coverage, Mopar vehicle service contracts include an array of perks for customers. Most of these are intended to make the repair process easier, while some just add peace of mind:
- Roadside assistance and towing: FCA will cover you up to $100 per occurrence when you need towing, a battery jump, lockout services or fuel delivery.
- First-day rental: If you have to rent a car or get a taxi after you drop your car off at the shop for a covered mechanical issue, FCA will reimburse you $35.
- Car rental reimbursement: In the event a repair takes multiple days, contract holders can receive $35 per day for up to five days for car rentals or taxi services (maximum of $175).
- Trip interruption protection: If you’re more than 100 miles from home and experience a covered breakdown, the Ram extended warranty will pay up to $1,000 for meals, car rentals and lodging expenses.
- Key fob repair and replacement: FCA will repair or replace key fobs up to three times during your warranty period, even if you don’t have the key anymore.
- Transferability: Warranty contracts can be transferred to subsequent owners for a $50 fee.
With the Maximum Care plan, the towing allowance, roadside assistance and trip interruption benefits expire at 100,000 miles.
How much does a Ram extended warranty cost?
The cost of a Ram extended warranty depends on your vehicle’s model, year and mileage, as well as the coverage limits and deductible amount you choose. Like most automakers, Ram does not advertise its extended coverage prices. However, this can work in your favor if you call around to get quotes from multiple Ram dealerships in your area, as many dealers will match offers.
During our research, we found Ram owners that reported the cost of an extended warranty falling between $1,900 and $4,100. Several buyers also noted it may be possible to get discount codes to lower the price of a Ram extended warranty.
It’s generally a good idea to get quotes from the dealer and a few independent warranty companies to make sure both are giving you a fair cost. Keep in mind that if you purchase a Ram extended warranty at a dealership and roll the cost into your vehicle financing, you’ll end up paying interest on it.
Do you need a Ram extended warranty?
Even though extended auto warranties seem like a smart investment on paper, they aren’t the best choice for every driver. To decide whether a Ram extended warranty is right for you, the first thing you should assess is your vehicle’s reliability.
Rams ranked just below the industry average in J.D. Power’s 2021 U.S. Vehicle Dependability StudySM, which measures the number of mechanical issues car owners experience. Ram owners reported 122 issues per 100 vehicles, and the industry average out of 32 car brands was 121. However, the Ram 2500/3500 was named runner-up for most dependable Large Heavy Duty Pickup in the study.
Additionally, the auto repair estimation site RepairPal reports that Rams usually cost more to fix than other brands. It ranks the brand 23rd out of 32 car brands in terms of reliability — lower than any other truck manufacturer studied.
Our review team reached out to Ram for a comment on these scores and received the following response: “Ram’s [Vehicle Dependability Study] performance reflects a gain from 11th place among 18 non-premium brands, to eighth. And in the latest Initial Quality Survey, which by our analysis correlates strongly with future dependability improvement, Ram rose 18 positions to a third-place industry finish. Further, U.S. registrations dating back to 1988 show Ram trucks and their Dodge-brand predecessors account for the highest proportion of pickups still on the road. We expect such trends to continue on this trajectory.”
RepairPal estimates the average repair and maintenance cost for Ram models is $858 per year, which is more than $200 over the industry average of $652. Here are some common repairs Ram owners have reported and what they cost:
|Common Ram repair||Average cost*|
|Exhaust manifold replacement||$251 to $307|
|Water pump replacement||$463 to $510|
|Intake manifold gasket replacement||$361 to $429|
*Data from RepairPal
If your factory warranty has already expired and you don’t have Ram extended warranty coverage, you’ll be responsible for paying any repair costs out of pocket as they arise. If you can comfortably fit unexpected breakdowns into your budget, you probably don’t need the extra protection. But if you’d rather finance vehicle repairs over time, an extended warranty may be a smart purchase.
What coverage do you already have?
If you’re looking at an extended warranty for your Ram truck, you should check to see if you have any existing coverage left on the vehicle. New cars from Ram dealerships come with the following factory warranty protection:
- Basic Limited Warranty:Ram’s bumper-to-bumper coverage lasts for 3 years/36,000 miles and covers everything from body panels to the electrical system.
- Powertrain Limited Warranty:FCA covers the engine, transmission and drive system for 5 years/60,000 miles on gas-powered vehicles, and 5 years/100,000 miles on diesel engines.
FCA also maintains a certified pre-owned (CPO) program for vehicles that meet certain conditions. CPO vehicles must have under 75,000 miles on the odometer, be less than five model years old and have a clean title. They also can’t have any frame damage or aftermarket accessories that compromise safety, operation or vehicle emissions.
In addition, CPO vehicles must pass a 125-point inspection performed by an FCA-certified mechanic. If a vehicle earns the seal of approval, the buyer will get a 7-year/100,000-mile powertrain warranty and a 3-month/3,000-mile version of the Maximum Care plan.
Pros and cons of independent warranty companies
Even though Mopar protection plans offer a comprehensive level of coverage, there are options outside the Ram extended warranty that may be a better fit for you. Independent warranty providers are typically able to offer similar levels of coverage at cheaper rates than automakers.
Here are some advantages of choosing coverage from an extended car warranty company, according to our research team:
- You choose when to buy:Many dealerships require that you buy extended coverage before the factory warranty expires. Third-party providers offer service contracts for vehicles at any age.
- More service locations:It’s fairly common for a manufacturer’s extended warranty to limit service to dealerships. Independent providers like Endurance allow customers to visit thousands of repair facilities, including localized shops and larger service centers.
- Longer coverage: The Ram extended warranty ends at 125,000 or 150,000 miles, but some providers offer contracts that extend up to the 250,000-mile mark.
On the other hand, you are not guaranteed factory-trained technicians or the use of genuine parts when you choose a third-party warranty company. The right fit for you is going to depend on what’s most important to you.
Getting the best rate on extended coverage is like getting the best car insurance rate — you’ll need to compare prices from multiple providers to find what works for you.
If you’re curious about how much an extended warranty would cost for your Ram truck, use the buttons below to start getting free quotes.