Complete Coverage by AGWS: A Smarter Vehicle Service Contract for Dealers
- Michael Dean Aufmuth
- Oct 20, 2020
- 3 min read
Updated: Oct 2, 2025
When it comes to offering F&I products that deliver real value, few programs stand out like Complete Coverage by AGWS (American Guardian Warranty Services). Backed by an administrator with over 20 years of experience and an A+ BBB rating, this program is designed to give dealers a flexible, high-quality solution that supports customer satisfaction while maximizing dealership profits.
Why Complete Coverage Matters
Most vehicle service contract programs cap mileage coverage at 150,000 miles, leaving dealers with limited options for higher-mileage inventory. That’s where American Guardian’s Complete Coverage program sets itself apart. With coverage extending to vehicles up to 300,000 miles at the point of sale, dealerships can confidently offer protection to a wider range of customers.
Complete Coverage also provides five flexible coverage tiers—from powertrain to exclusionary—ensuring there’s a fit for every budget and need. Additional options include:
Hybrid vehicle and hybrid battery coverage
Protection for modified vehicles
Enhanced convenience and safety packages
Rental upgrades and more
Comparison Made Simple
Elite FI Partners is also introducing an exclusive comparison tool that makes it easy to see how Complete Coverage stacks up against your dealership’s current service contract offering. This side-by-side approach gives you a clear picture of how AGWS products can enhance your lineup while improving profitability.
Backed by Industry Leaders
Partnering with American Guardian means working with one of the most respected names in the industry. Their long-standing reputation for customer service and claims management ensures that every vehicle service contract delivers on its promise—something both dealers and customers can rely on.
Bringing the Value with Elite FI
At Elite FI Partners, we know your time is valuable. That’s why we partner with administrators like AGWS to bring you technologically advanced F&I products backed by industry leaders. Our mission is simple: deliver the best solutions, the strongest support, and the tools you need to succeed.
We are Elite FI.
FAQ: AGWS Complete Coverage (American Guardian)
What is Complete Coverage by AGWS?
Complete Coverage is an American Guardian (AGWS) administered vehicle service contract offering multiple tiers of protection, backed by one of the industry’s leading administrators.
Which coverage tiers are available and what do they include?
The program offers five tiers, ranging from Powertrain to Exclusionary. Lower tiers cover core systems like the engine, transmission, and drive axle, while higher tiers expand coverage to electrical, air conditioning, convenience, safety, and more.
Is this an insurance policy?
No. Complete Coverage is a vehicle service contract, not an insurance policy.
How do I start a claim?
Claims require prior authorization from AGWS. Dealers or repair facilities must call the claims number before work begins to ensure coverage applies.
What are the limits of liability?
Coverage limits vary by tier, with per-visit and aggregate limits outlined in the agreement. Higher tiers typically offer coverage up to the actual cash value of the vehicle.
Is roadside assistance or rental coverage included?
Yes. Towing and rental assistance are included in the base program, with optional Rental Plus and trip-interruption coverage available.
Are EVs, hybrids, or modified vehicles eligible?
Yes. Hybrid and EV battery coverage is available under certain conditions, and modified vehicles may qualify with optional add-ons like Lift Kit and Oversized Tire coverage.
What deductible options are available?
Deductibles are per repair visit and can be selected at the time of sale, with common options like $100 or $250.
Is there a waiting period for service-lane sales?
Yes. Service-lane contracts include a 30-day and 1,000-mile waiting period.
Can coverage be transferred to a new owner?
Yes. Coverage can be transferred to a new private-party owner by following the agreement’s transfer process.
Who administers the program?
The program is administered by American Guardian Warranty Services (AGWS), a trusted provider with over 20 years of experience and an A+ rating with the BBB.
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