Mopar coverage - prices worth it? (Already did Assurant when I bought the truck)

[SoMuchLasagna]

2023 RAM 1500 Lone Star, like I mentioned, got the 3rd party Assurant stuff when I purchased (March 2025), not knowing any better.

I get probably three emails a week from Mopar pitching their stuff and finally inquired about pricing.

“Got it, I have the 10yr / 100k mile $200 deductible extended care premium Ram Money Back plan for $3,561.73 (take $405 off if paid in full) or $350 down and $107.06 for thirty months.

I also have the 10yr / 100k mile $500 deductible for $3,178.23 (take $360 off if paid in full) or $310 down and $95.61 for thirty months. The 10yr / 125k mile $500 deductible is $3,736.30 (take $400 off if paid in full) or $370 down and $112.21 for thirty months.”

Thoughts? Never purchased either a third party warranty or an extended for a vehicle, but with my plans to try and maintain and drive this sucker into the ground (only my second vehicle ever), I opted for it.

 

[1791]

if you can get a refund on that 3rd party i would get my money back sometimes the refund will just be applied to the principal of the loan. and i would get the mopar warrantee

 

[dajogejr]

Never used Assurant.
Had Chrysler MaxCare on my 2015 Limited Ram and it more than paid for itself over the 8 years, 140K plus miles I put on before trading it in.
Have it on my 2023, but unfortunately, max when I bought it was 8/125K.

I plan on trading in once I’m at the mileage or years.

Here’s what you need to think about.. because I’ve been there.
Yes, you are covered in the event of a minor or major issue and the premium covers just about everything.
Not, repeat, NOT bumper to bumper, but close…

Parts, shortages, available mechanics.. all those come into play should something fail.
Air ride (4 corner air suspension) on my 2015 failed me a few times. Last time, it was in the shop for 6 weeks waiting on parts (early 2023). Any perfect, run forever vehicles out there? No… of course now. Just consider all the options is all.

With all the tech, it’s worth it to me. That also being said, my 2015 was a solid truck, but the tech on the 2023 is WAY, Way better.