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-   -   Buy the Subaru Maintenance Plan ? (http://legacygt.com/forums/showthread.php?t=200428)

Always Learning 01-26-2013 04:41 AM

Buy the Subaru Maintenance Plan ?
 
I am in the midst of buying a new Legacy 3.6R and the dealer offered plenty of last-minute upsells.
What do you think of the Subaru Maintenance Plan? This is a big cost ($1000+) extended service contract that covers all of the scheduled maintenance for 100K miles plus towing, rental car and a tire road hazard warrantee. It is only useable at Subaru dealers.

I decided to skip the Simoniz Glass Coat.:)

BTW, by "in the midst of buying" I mean that the dealer is trying to get the car from another dealer.

tgt323 01-26-2013 09:09 AM

I think you should go with the plan. I got the gold plan on my 3.6r and I think its going to be very useful. It will save you money in the long run :) congrats on getting a new car hopefully soon! I got mine yesterday and I love it a lot. What color are you getting?

Always Learning 01-26-2013 10:21 AM

The rumor is that it will be red with an ivory interior.
I really never gave much thought to car color before. The last time that I bought a car was 2002 and lots of colors were available. But, now most of the cars on the market seem to be so boring.
And you?

tgt323 01-26-2013 10:25 AM

I saw one, not a 3.6R, on the lot when I was considering the Legacy, and it looked really good. Personally red is not my preferred color, but I liked the way it looked on the car. And I have noticed that most of the car colors are around the same, which is ok if you're a simple person. I got the Twilight Blue Metallic with black leather interior. I like it a lot, however my two preferred colors were the Graphite Grey and the Indigo Pearl. The 3.6R's are hard to find on the east coast.

RabidWombat 01-26-2013 11:02 AM

I got the Maintence Plan on my 2009 LGT. It worked well for me, and even covered fixing two flats. My plan only went to 45k though.

Some things to consider:
1) How likely are you to drive the car to 75k+?
You won't recover any re-sale value on unused contracts if you sell the car early.

2) Would you take the car to the dealer for all service anyway?
If you'd do oil changes yourself, your costs would be lower.

These should help you figure out where your break-even point is. On my Legacy I needed to use the 30k service (expensive) for it to break even. If you plan on getting to that mileage its probably worth it.

dmanaenk 01-26-2013 06:48 PM

Quote:

Originally Posted by Always Learning (Post 4263695)
I am in the midst of buying a new Legacy 3.6R and the dealer offered plenty of last-minute upsells.
What do you think of the Subaru Maintenance Plan? This is a big cost ($1000+) extended service contract that covers all of the scheduled maintenance for 100K miles plus towing, rental car and a tire road hazard warrantee. It is only useable at Subaru dealers.

The dealer is trying to confuse you. There is no 100k maintenance plan, otherwise $1k would be a big bargain. There is a 3yr/45k maintenance plan, and 100k _extended warranty_ plans. The latter does not include scheduled maintenance.

The dealer could be pushing some in-house crap though.

famaya26 01-26-2013 06:56 PM

When my dad bought his 07 Silverado they pulled this on him. Sounded like a bargain but it wasn't like they explained it. We did get an extended 100k Warranty, but only for parts that failed prematurely. Maintenance was only covered for 45,000 miles or 3 years. Whichever came first.

thejammonster 01-27-2013 07:21 AM

I got the maintenance plan on my 39 month lease for $750 and it was definitely worth it. I was lucky in that their deal at the time was to bump you up to the next credit bracket so it actually made my monthly payment less by adding the plan. I have used it for my oil changes every 3,750 miles and the more in-depth maintenance at 15,000 and 30,000 miles. It has also paid for two brand new ~$300 Bridgestone tires that got nails in them at separate times.

drummerman2028 01-27-2013 01:01 PM

When I bought my 07 buying the maintenance plan actually reduced my payment because part of the benefit of buying the plan was that they/chase lowered the apr on the loan 1 full percentage point. Made it an easy call for me.

TTG 01-27-2013 02:24 PM

It is nothing but a rip off..... do the math!

Some cliff notes:
-The maint plan goes to 36K and 45K
-It is "scheduled" maintenance....meaning every 7500 miles. (I know Subaru has a cliff note that indicates 3750 but 3.6R is scheduled for every 7500)

Depends on how long you will keep the car. This is something offered to me every time and I get in bunch of arguments with the finance people.

My car is a 45K 3 year lease which means:

7,500 oil change: $50.00
15,000 service / oil change: $50.00
22,500 oil change: $50.00
30,000 service: ~$700.00
37,500 oil service: $50.00
45,000 oil service: $50.00
I rotate my own tires every 5K

So that is: 5 oil changes: $250
30K maint : $700
Total: $950
The "Best" price they offered me was $1120 on the 45K plan and as you can see from the math their argument miserably failed with me.

Now that is if you do not have any coupons. The dealer where I service my car constantly sends me 10%, 20% off coupons or $29,99 oil change offers.

They made it very clear to me that the Subaru service plan covers only scheduled maintenance and nothing else. So I don't know what people are talking about when they mention 3K oil changes and 2 tire replacements (since when you only replace 2 tires on a subaru under maintenance plan)

On a 3.6R you will most likely do 5K oil changes (what I do) and will end up paying out of pocket anyway.

I also have no desire to pay interest on a future service plan if I am financing or leasing the car.

Another thing to consider is what happens to your 1200 if your car gets stolen, totaled & etc...... GL claiming a prepaid service plan from your insurance company that has nothing to do with the value of the car.

Now if you are talking about "Subaru added security" which is nothing but an extended warranty, that is different. It all depends how long you are planning on keeping your car. I usually don't keep my cars too long after the warranty expires.

I hope it all makes sense.

Always Learning 01-27-2013 03:30 PM

Lots of good information here. I feel much better armed for the upcoming discussion with the finance guy.
I like the arguments from the two of you that said that it lowered your payments by changing the APR.
Unfortunately, right now Subaru is now offering 0%, so buying the plan can't get the APR any lower for me.
What is in the 30K mile maintenance that makes it cost $700?
Are the stock tires any good in snow, or should I get them swapped out (for which I will pay extra, I'm sure)?

Ozzy 01-27-2013 04:06 PM

They sell these plans because they make money off of them..

Always Learning 01-27-2013 04:16 PM

Quote:

Originally Posted by Ozzy (Post 4265546)
They sell these plans because they make money off of them..

I agree. The dealership is not a charity organization. :)

The dealer takes a large financial risk by buying inventory and hiring staff and buying property. I believe that everyone (including car dealers and manufacturers) should be allowed to make a reasonable profit for their work and risk.
Reasonable profit is the key. I hate it when someone tries to make an unreasonable profit from me.

RabidWombat 01-27-2013 07:27 PM

Quote:

Originally Posted by TTG (Post 4265418)
I
They made it very clear to me that the Subaru service plan covers only scheduled maintenance and nothing else. So I don't know what people are talking about when they mention 3K oil changes and 2 tire replacements (since when you only replace 2 tires on a subaru under maintenance plan)

Maintenance schedule for 2007-2009 LGT is every 3750, fully covered under the plan. The plan also included a road hazard coverage for the tires. I will also vouch for that, it covered one replacement tire (shaved to match) and a patch for another.

Its not a bad deal if you plan to do all your maintenance at the dealer.

RabidWombat 01-27-2013 07:49 PM

Quote:

Originally Posted by Always Learning (Post 4265504)
Are the stock tires any good in snow, or should I get them swapped out (for which I will pay extra, I'm sure)?

Stock tires are standard all-season tires. You can assume they will be bad in snow. You can either get a second set of rims/tires for winter, options for swapping to better all-seasons may be limited.


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