Products The Lineup
Thomas is an agent for every program on this page, which means the recommendation is driven by your inventory, your volume, and your customers. Not by whoever owns the shelf.
Start Which are you?
For Franchise Stores
Your primary or OEM program is built for new vehicles, and it should stay that way. Certified and used inventory generates claims your primary was never meant to carry, and routing those claims there can cost you on the loss ratio.
CAS sits underneath it. Coverage built for used and high-mileage inventory picks up the units your primary declines, so those vehicles finally produce F&I gross instead of walking off the lot uncovered. It's designed to sit alongside what you already run, and Thomas reviews your current programs first to make sure it does.
For Independent Stores
There is no primary program on an all-used lot, which means the back end is entirely yours to build, and entirely yours to get wrong.
CAS builds the whole thing. Thomas matches program to inventory: coverage that reaches the age and mileage you actually retail, a full product menu when you want one, and specialty coverage if you carry powersports, RV, or marine. One agent, one relationship, every product on the shelf.
The Shelf
Vehicle service contracts from American Auto Guardian, offered two ways: AutoGuard® Plus for today's gas, diesel, hybrid, and electric vehicles, and AutoGuard® Drive for used and high-mileage inventory.
Read moreA third-party administrator with a complete back-end menu: vehicle service contracts, GAP, and ancillary products, with marine, RV, and moto coverage expanding.
Read moreStop renting the warranty business and own it. A dealer-owned warranty company puts the underwriting upside on your side of the ledger, with the administration handled for you.
Read moreSpecialty coverage for the units a standard auto program isn't built for. If you retail powersports, recreational vehicles, or watercraft, this is the shelf you're missing.
Read moreCatalytic converter theft protection. A traceable marking on the converter, backed by a warranty benefit of up to $6,000 if it gets stolen anyway.
See SAFECATRoad hazard tire and wheel coverage bundled with appearance protection, plus options like key replacement and windshield. New and pre-owned vehicles, with no mileage restrictions.
Read moreAAGI gives Thomas two different vehicle service contracts to work with, and they're built for different parts of your lot. AutoGuard® Plus goes deep on newer, technology-heavy vehicles. AutoGuard® Drive reaches further into used and high-mileage inventory. Both pay the repair facility directly and carry claim support 24 hours a day, seven days a week.
System-based coverage for modern vehicles
AutoGuard® Plus covers whole vehicle systems instead of individual parts, which means fewer gray areas at claim time. It's written for gas, diesel, hybrid, and electric vehicles.
Flexible coverage for used and high-mileage vehicles
AAGI's program for the used-vehicle market. It accepts more makes, models, mileage bands, and usage types, including high-mileage units, Canadian imports, hybrids, EVs, and modified vehicles.
Plus goes deeper on newer, tech-heavy vehicles and carries the richer rental, trip interruption, and roadside benefits. Drive reaches more of a used lot, including high-mileage, imported, and modified units, and adds business-use options. Thomas will tell you which one fits the inventory you actually retail, and plenty of stores will want both.
Some stores don't want a product. They want a department. Headstart Warranty Group is a third-party administrator with a complete F&I menu, which makes it the natural spine of an independent dealer's back end and a clean way for a franchise store to fill gaps its primary doesn't reach.
Service contracts can produce underwriting profit. In a conventional arrangement, somebody else keeps it and hands you a commission.
A dealer-owned warranty company changes who that somebody is. You form your own entity. It becomes the provider on the contracts your store sells. The underwriting results and the investment income stay on your side of the ledger, while DOWC handles administration, claims adjudication, compliance, and reporting, so you are not in the business of running an insurance company on top of running a dealership.
A side-by-side is not a sedan. A fifth wheel is not a crossover. A wake boat is neither. Dealers who retail these units know the frustration of trying to cover them with a program designed for something with four doors and a commute.
Through CAS, Connex handles specialty inventory on its own terms. That's exactly what it's for. Nothing else.
Sooner or later, almost every customer hits a pothole, a nail, or debris on the road. And the inside of the car takes its own beating, from spilled coffee on a seat to a door dent in a parking lot. TIREWise Plus bundles road hazard tire and wheel coverage with appearance protection, so one product handles both.
It's written as a full vehicle service contract, not a product warranty. It's available on new and pre-owned vehicles with no mileage restrictions, on terms up to 84 months. Bundled benefits may include:
Which benefits are available depends on the state and the contract form, so Thomas will confirm what can go in a bundle for your store. Where included, key, windshield, and hail coverage carry no aggregate or per-occurrence limits.
That's not a website's question to answer. Ten minutes with Thomas and your own numbers, and you'll know.
