Acura MDX SUV Forums banner
1 - 20 of 33 Posts

·
Registered
Joined
·
27 Posts
Discussion Starter · #1 ·
Is it worth it? I was quoted $2100 for 8 years, 100K miles. They claim it will be much more expensive if you get it later, which seems dubious. Seems stupid to finance a warranty you guaranteed aren't going to use for 4 years.

Does it cover everything, e.g. all the motorized accessories? They said yes, but most one's I've seen for other cars exclude that sort of stuff.
 

·
Registered
Joined
·
727 Posts
It's not really 100K miles of coverage..it just picks up after the factory warranty expires. The powertrain is already covered for 70K miles I think.

IF I was thinking of a warranty, I would drive the vehicle a few years and see how things went. You may not even want to keep it that long...if it's trouble free, I would have trouble springing for 30K miles of coverage. YMMV.
 

·
Registered
Joined
·
27 Posts
Discussion Starter · #3 ·
You can get a refund if you want, but you won't get a refund for any finance charges you paid on it.

Indeed, it's only 4 additional years and only 1 on the powertrain, which likely won't have problems or they wouldn't warranty it for 7 years anyway.

They also had a 10 year / 120K mile (i.e. 6 more years and 70K more miles.) for like $400 more.
 

·
Registered
Joined
·
741 Posts
the factory 7 year / 100,000 complete warranty (other than expendable parts) can only be bought at time of purchase. It is slightly different than the aftermarket type policy. Many dealers will tell you they are adding the extended factory Acura Care warranty but it will be some other company. Look carefully at the paperwork to be sure it says ACURA CARE on it. The car must have less than 50,000 last time I looked. Cost me $1850 on one MDX and $1900 on the other. It is a gamble because probably won't get that back out of it but I am retiring and getting too old to crawl around under cars. I just don't want to be in to a situation where a $4500 module fails at 51,000 miles and it comes out of my pocket. Too many features on cars these days.

It is transferable last time I checked so it does add some value to the car when you sell it. My 2014 had it, and Acura refunded the pro-rated portion when it was totaled by a red light runner.
 

·
Registered
Joined
·
801 Posts
It's not really 100K miles of coverage..it just picks up after the factory warranty expires. The powertrain is already covered for 70K miles I think.

IF I was thinking of a warranty, I would drive the vehicle a few years and see how things went. You may not even want to keep it that long...if it's trouble free, I would have trouble springing for 30K miles of coverage. YMMV.
To your point the factory warranty is 4 yrs and 50k, so the extended warranty would double that portion of it to 8 and 100k.

Powertrain is already covered for 6 yrs and 70k, so for that portion the extended warranty is only an extra 2 yrs and 30k miles.

So while from an overall electronics perspective you double your coverage, for the powertrain you only get an extra 2 yrs and 30k miles. If you plan on driving it longer then 8 yrs and/or 100k miles there's a strong chance you'll run into powertrain (transmission, torque converter) issues after this extended warranty expires. Where I'd imagine most other items would be likely to have already failed by that point if they were going to.
 

·
Registered
Joined
·
1,952 Posts
So while from an overall electronics perspective you double your coverage, for the powertrain you only get an extra 2 yrs and 30k miles. If you plan on driving it longer then 8 yrs and/or 100k miles there's a strong chance you'll run into powertrain (transmission, torque converter) issues after this extended warranty expires. Where I'd imagine most other items would be likely to have already failed by that point if they were going to.
How are you coming to that conclusion? I'm sure that most people easily pass 100k without power train troubles.
 

·
Registered
Joined
·
4,710 Posts
I have 3 Acura with combined mileage of just under 400,000 miles between them. Every issue I've had was either covered by the 4/50 basic, 6/70 powertrain, extra Acura extended warranties (100K extended warranty for A/C clutch for 08 RDX) OR I was over the 100,000-120,000 mile limits and the Acura Care would not have covered it. Very few things do go wrong between 70K to 100K or even 50K to 120K for Acura Care warranties would cover.
 

·
Registered
Joined
·
801 Posts
How are you coming to that conclusion? I'm sure that most people easily pass 100k without power train troubles.
Consumer Reports, JD Power, Edmunds forums, and many other places. The consensus is that if your torque converter or transmission is going to fail, it's very likely to happen beginning after 70k miles (after your factory powertrain warranty expires). Many of the owners who've had a failure had it happen right after their powertrain warranty expires, but not everyone obviously.

Usually as your engine and transmission get more miles on them problems become more likely, not less likely. Just about any vehicle regardless of manufacturer once you get over 100k miles that's when the risk for transmission and powertrain issues skyrockets just do to the wear and tear on your vehicle over that time. Where electronic systems if they are going to fail or are defective tend to do so fairly early on.
 

·
Registered
Joined
·
4,718 Posts
There are lots of threads with the identical question so you might want to search for them.

The short answer - 'no' - extended warranties aren't worth it. They're simply insurance policies that are heavily skewed in favor of the insurance company. They're pushed by dealers because it's a big profit area for them.

As others pointed out - their terminology of '100k miles/8 years' (or similar) is a misnomer and purposely misleads the consumer since the factory warranty you already get with the vehicle covers the majority of that period.

On top of that you don't even know if you'll still have the vehicle 4 years or 7 years from now. It could be stolen, totaled, you might decide to get rid of it for another vehicle, etc. - money down the drain.

I heard that only 12% of the cost of an extended warranty goes to actually cover repairs (on the average vehicle of the type) - the rest is for overhead and profit - mostly profit.

The consensus is that if your torque converter or transmission is going to fail, it's very likely to happen beginning after 70k miles (after your factory powertrain warranty expires).
It'll likely be either fairly right away (if there was a manufacturing defect or installation problem) or 'much' after the 70K (or whatever) factory warranty period is over but that 'much after' can end up to be hundreds of thousands of miles later - likely much closer to 200-300K miles than 70K miles. Chances are slim that there'll be an actual engine, transmission, transfer case,differential issue within any extended warranty period.

Even the transmission and engine in my Dodge Durango wer still working fine when I donated it at 230K miles - and that's a 'Dodge' as opposed to a 'Honda' fwiw.


Regardless, if you want one anyway, you'd be better off staying away from any third party companies since they're notorious for magically going out of business just before the end period of the warranties, and you need to read and understand the fine print in the contract - yourself. You need to understand what's included and what isn't included. Don't trust anything a salesperson states about the warranty - read it yourself. They have a strong profit incentive to do whatever they can to get you to buy it - now.
The paradigm for that contract is pretty much that anything with much of a chance of failing will be excluded and everything included has little chance of failing within the period.
 

·
Registered
Joined
·
1,952 Posts
Consumer Reports, JD Power, Edmunds forums, and many other places. The consensus is that if your torque converter or transmission is going to fail, it's very likely to happen beginning after 70k miles (after your factory powertrain warranty expires). Many of the owners who've had a failure had it happen right after their powertrain warranty expires, but not everyone obviously.

Usually as your engine and transmission get more miles on them problems become more likely, not less likely. Just about any vehicle regardless of manufacturer once you get over 100k miles that's when the risk for transmission and powertrain issues skyrockets just do to the wear and tear on your vehicle over that time. Where electronic systems if they are going to fail or are defective tend to do so fairly early on.
Where does Consumer Reports, JD Power, or Edmunds say that most customers experience transmission problems??? I'm betting they do not actually say that. You're confusing a few reports on the internet for the "normal experience".

The overwhelming majority of people do not have problems. That is all I'm saying.
 

·
Registered
Joined
·
27 Posts
Discussion Starter · #11 ·
According to Consumer Reports as of now, transmission is "better" (their highest of 5 ratings) for all years except 2016, which is one lower. The worst categories according to them are suspension and in-car electronics. Even for the 2017 they are all better, though. It's not old enough to know.

Obviously these numbers can and will change as the car ages, since our last vehicle was rated tops for reliabilities and is now rated the second lowest.
 

·
Registered
Joined
·
801 Posts
Where does Consumer Reports, JD Power, or Edmunds say that most customers experience transmission problems??? I'm betting they do not actually say that. You're confusing a few reports on the internet for the "normal experience".

The overwhelming majority of people do not have problems. That is all I'm saying.
Their ratings are based on actual consumer feedback (survey responses). For example Consumer Reports for Acura as a whole is ranked 19th out of 27 in overall reliability, which is well below average. Because they are rated below average, that means a majority of their responses (51% or more) had complaints about reliability, and the proportion of responses with reliability complaints were much higher then the brands at the top of the reliability ratings. If the majority of people didn't have issues and didn't complain, then their rating would be much better than average (which it isn't).

https://www.consumerreports.org/car...ion/car-brands-reliability-how-they-stack-up/

There isn't a lot of data for 2017-2018 yet (current ratings are from surveys sent out in march of last year and published in october of last year), but from what they have specifically for the MDX it appears 2017 so far is much better than 2016. 2016 has an overall reliability rating of 2/5, which in conjunction with the TLX and other models likely acccounts for Acura's low reliability rating currently.

Another data point is JD Power, which is also based on consumer feedback surveys. The more complaints on reliability in these survey responses leads to a lower reliability score. Meaning if it's a score below average then a majority of respondents complained about reliability issues. Pay specific attention to powertrain quality - mechanical which is 3/5 (average). By process of elimination without engine problems being reported then this has to be due to the transmission and/or torque converter or other related powertrain.

2017 Acura MDX Pricing, Specs & Reviews | J.D. Power Cars

Powertrain quality - design = 2/5
Features & accessories quality = 3/5
Body & interior quality - design = 5/5
Powertrain quality - mechanical = 3/5
Overall quality - mechanical = 3/5
Overall quality = 3/5

Features & accessories quality - mechanical = 3/5
Body & interior quality - mechanical = 4/5
Overall quality - design = 2/5

Most of these metrics for the MDX are on par with competitors, meaning Acura is about average for reliability and quality in this segment (same as everyone else). Only major exception is the XC90 which is rated lower pretty much across the board.

Most of the ratings across JD Power and Consumer Reports is likely skewed by the fact these results are primarily focused on vehicles in the 2014-2016 model years, which is when a lot of issues occured. Not enough information on 2017 and 2018 reliability is available yet for it to impact overall reliability metrics for the brand as a whole or the MDX specifically.

So specific to the MDX what this all says is that outside of possibly the XC90, which is worse then the MDX for reliability, is that the MDX is about average in reliability along with the other competitors. Acura as a whole is below average. Acura and the MDX specifically are no longer better then most competitors for reliability. As more feedback for 2017 and 2018 become available these could (and are likely to) improve.
 

·
Registered
Joined
·
27 Posts
Discussion Starter · #13 ·
I got more details and the extended warranty is through Zurich and not Acura Care. Reason to be concerned? The quote was for a comprehensive plan that pretty much includes everything except consumables, according to the brochure.
 

·
Registered
Joined
·
4,710 Posts
I got more details and the extended warranty is through Zurich and not Acura Care. Reason to be concerned? The quote was for a comprehensive plan that pretty much includes everything except consumables, according to the brochure.
It is usually in the limitations with 3rd party warranties where they get you like:
- can only redeem at certain shops or dealerships
- only good in this certain state(s)
- need approval before proceeding with repairs
- fine print includes items like alternator or starter as a consumable
- any and all maintenance must always be done at one of their approved shops or a warranty claim can be denied
- no prorating or transferable

Acura Care can be purchased on-line or local from any Acura Dealership that sells it. Any Acura (or Honda dealership if Acura isn't available or too far away) will take Acura Care. Only restriction I know of is Florida folks must purchase Acura Care in state.
 

·
Registered
Joined
·
27 Posts
Discussion Starter · #15 ·
Thanks for the info mrgold35. The comprehensive plan seems to be that according to the brochure. But I spent the last 30 minutes reading about it and came to the same conclusion. While they say they cover everything, they always seem to find a way to get out of claims. I'm definitely not getting a Zurich plan based on what I read. Someone else posted this in another thread:

https://usinsuranceagents.com/reviews/zurich-north-america/

They quoted $2210 for 8/100K with Acura Care. I can get it cheaper at Curry online by about $200 (or the 120K version for $70 more than their quote.)

Doing stuff like that really lowers my impression of that dealer, IMHO. They didn't even state it was third party until I asked, so if I do get something, it will be online.
 

·
Registered
Joined
·
801 Posts
Thanks for the info mrgold35. The comprehensive plan seems to be that according to the brochure. But I spent the last 30 minutes reading about it and came to the same conclusion. While they say they cover everything, they always seem to find a way to get out of claims. I'm definitely not getting a Zurich plan based on what I read. Someone else posted this in another thread:

https://usinsuranceagents.com/reviews/zurich-north-america/

They quoted $2210 for 8/100K with Acura Care. I can get it cheaper at Curry online by about $200 (or the 120K version for $70 more than their quote.)

Doing stuff like that really lowers my impression of that dealer, IMHO. They didn't even state it was third party until I asked, so if I do get something, it will be online.
Yeah that is fishy. While many dealers have a relationship with a particular 3rd party extended warranty company like Zurich for used vehicles, I would expect that an Acura dealer will sell you an Acura extended warranty on a brand new vehicle. At the very least they should advertise it's through a 3rd party and not with Acura itself.

Have you asked them specifically about buying an Acura Care plan? Assuming this is at an Acura dealership and is for a brand new vehicle (not used)?

Not sure if they can sell Acura Care for both new and used vehicles or only brand new
 

·
Registered
Joined
·
1,952 Posts
...[snip]...
So basically Acura at it's worst is still on par with everyone else? >:) And if you avoid the first model year of major mechanical changes (should do that on any brand, imo) they're highly rated. :x

At any rate, you're not changing my mind. I own one. I put my money where my mouth is. You can do what you please.
 

·
Registered
Joined
·
4,710 Posts
Thanks for the info mrgold35. The comprehensive plan seems to be that according to the brochure. But I spent the last 30 minutes reading about it and came to the same conclusion. While they say they cover everything, they always seem to find a way to get out of claims. I'm definitely not getting a Zurich plan based on what I read. Someone else posted this in another thread:

https://usinsuranceagents.com/reviews/zurich-north-america/

They quoted $2210 for 8/100K with Acura Care. I can get it cheaper at Curry online by about $200 (or the 120K version for $70 more than their quote.)

Doing stuff like that really lowers my impression of that dealer, IMHO. They didn't even state it was third party until I asked, so if I do get something, it will be online.
I live in New Mexico and I did the Curry 5yr/120K plan back in Dec/2014 for $2350 for my 11 MDX Adv+Ent with 45,000 miles on her. It was because of the magnetic shocks/struts random failures AND I already had the fronts fail at 35K (covered by basic warranty). Then, Acura offered an extended warranty for the magnetic suspension last year for the MDX/ZDX up to 100K. Zero issues with the magnetic shocks/struts with +107K on my MDX now and my Acura Care will expire in 13,000 miles; which, will be this fall with the amount miles I put on each year. The $2350 would be the cost just to replace the magnetic shocks or struts. I need my suspension to completely fail just to break even in the next 9 months.:frown2:
 

·
Registered
Joined
·
27 Posts
Discussion Starter · #20 ·
So basically Acura at it's worst is still on par with everyone else? >:) And if you avoid the first model year of major mechanical changes (should do that on any brand, imo) they're highly rated. :x
First model year are always problematic, and I'd never get one for that reason alone. Consumer Reports rates Acura 2/5 for reliability, but a lot of it seems to be due to electronics. They (stupidly) really ding cars for poor infotainment systems and such, which I think is rather unfair. You can pretty much tell what you are going to get there while test driving.

Suspension seems to be an issue. Does the 2018 have any fancy magnetic suspension stuff?
 
1 - 20 of 33 Posts
This is an older thread, you may not receive a response, and could be reviving an old thread. Please consider creating a new thread.
Top