Vehicle Service Contract Solutions for Pre-Owned Vehicles | Complete Coverage

Complete Coverage | American Guardian Warranty | Vehicle Service Contract

When selling pre-owned vehicles, one of the most common customer concerns is protection against unexpected repair costs. Having the right vehicle service contract in place not only builds trust but also increases dealership profitability. At Elite FI Partners, we partner with American Guardian Warranty Services (AGWS) to deliver programs like Complete Coverage, which is specifically designed for pre-owned inventory.

The Complete Coverage program stands out because of its customizable, “a la carte” style structure. Customers are not locked into a single option—they can choose from basic powertrain coverage all the way up to full exclusionary coverage, similar to what comes with a new vehicle warranty. This flexibility allows finance managers to tailor protection to each customer’s driving habits and budget.

Unlike many traditional programs, Complete Coverage applies to vehicles up to 20 years old and up to 300,000 miles. That means high-mileage or older units that typically fall outside most contract eligibility can still be protected with a vehicle service contract. Dealers gain a powerful tool for broadening their coverage offerings while creating more value for customers.

Customers can select from several tiers of protection, ranging from Powertrain, which covers essential components like the engine and transmission, to Plus and Power coverage levels that add systems such as power steering, electrical, and air conditioning. The top-tier Premier and Exclusive levels cover suspension, cooling, ventilation, fuel, enhanced brakes, and nearly all major components except specifically excluded items. Every plan also comes with valuable benefits including roadside assistance, towing, rental car reimbursement, and contract transfer options.

Dealers can also present optional add-ons such as enhanced technology coverage for GPS and driver-assist systems, EV and hybrid battery coverage, mobility equipment protection, lift kit and oversized tire coverage, and even plans for certain commercial-use vehicles. These options ensure that nearly any customer scenario can be addressed, from daily drivers to work trucks to modified vehicles.

By offering Complete Coverage, dealers can serve more customers, expand contract eligibility, and maximize profit opportunities—all while strengthening customer confidence in the dealership. At Elite FI Partners, we not only provide access to programs like Complete Coverage but also deliver the F&I training and support needed to maximize results in the finance office.

If your dealership is ready to expand its pre-owned strategy, a flexible vehicle service contract like Complete Coverage is the perfect solution. Contact Elite FI Partners today to learn how we can help you implement this program and other industry-leading F&I products that drive growth and customer satisfaction.