Maxcare Lifetime Warranty, Florida is Screwed - 2014+ Jeep Cherokee Forums
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post #1 of 48 (permalink) Old 04-22-2016, 12:13 PM Thread Starter
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Exclamation Maxcare Lifetime Warranty, Florida is Screwed

Just ordered a new 2016 TH and awaiting delivery. I did all the research on the Mopar Maxcare Lifetime Warranty as I plan on keeping this vehicle a long time and since I ordered it fully loaded, the Maxcare Lifetime Warranty would provide me peace of mind in the long run. I checked with Zeiglers a few months ago and received a on-line quote which is what everyone else was reporting. Fast forward to now I asked dealer to match (this old quote) and I'd buy it from him. Dealer tells me it is against state of Florida insurance laws to match/beat Zeigler's price and they have to charge full retail price and can't discount whatsoever. Typical dealer response I thought.

I then email Zeigler to set up purchase from them which was considerably cheaper going by my old quote. Bob Cline gives me a prompt telephone call back and he sadly reports that he can no longer sell the MaxCare Lifetime Warranty at the discounted price to Florida buyers due to, again, Florida state insurance laws. He has to sell the warranty at the SAME full retail price that the Florida dealers charges by law. This pricing change from Zeigler has only recently in the last several months been instated. Bob reports that he (Zeiglers) basically was contacted by the Florida State Insurance Commission to 'cease and desist' selling the Maxcare at a discount or would be in violation of the law, risking having his license to sell in Florida revoked. This really bites! Thanks Florida! NOT! And wouldn't you know it, as icing on the cake, Mopar raises the price effective April 1 by 5%.

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post #2 of 48 (permalink) Old 04-22-2016, 12:25 PM
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Quote:
Originally Posted by FloridaTH View Post
Just ordered a new 2016 TH and awaiting delivery. I did all the research on the Mopar Maxcare Lifetime Warranty as I plan on keeping this vehicle a long time and since I ordered it fully loaded, the Maxcare Lifetime Warranty would provide me peace of mind in the long run. I checked with Zeiglers a few months ago and received a on-line quote which is what everyone else was reporting. Fast forward to now I asked dealer to match (this old quote) and I'd buy it from him. Dealer tells me it is against state of Florida insurance laws to match/beat Zeigler's price and they have to charge full retail price and can't discount whatsoever. Typical dealer response I thought.

I then email Zeigler to set up purchase from them which was considerably cheaper going by my old quote. Bob Cline gives me a prompt telephone call back and he sadly reports that he can no longer sell the MaxCare Lifetime Warranty at the discounted price to Florida buyers due to, again, Florida state insurance laws. He has to sell the warranty at the SAME full retail price that the Florida dealers charges by law. This pricing change from Zeigler has only recently in the last several months been instated. Bob reports that he (Zeiglers) basically was contacted by the Florida State Insurance Commission to 'cease and desist' selling the Maxcare at a discount or would be in violation of the law, risking having his license to sell in Florida revoked. This really bites! Thanks Florida! NOT! And wouldn't you know it, as icing on the cake, Mopar raises the price effective April 1 by 5%.

That really sucks!! I would write my Congressional Rep and Senators, yeah pointless but at least to vent, the state is not allowing something that is done across the country, that's discriminatory and predatory for any contract, retailers must be drooling.

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post #3 of 48 (permalink) Old 04-22-2016, 08:01 PM
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This is why I left California instead of taking a job there when I left the military.... They SUCK, too! Florida, Kalifornia, Sunny states run by liberals, think they know how to "protect" you better, they know "what is best for you"... get out while you can... Florida is only God's waiting room anyway!

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post #4 of 48 (permalink) Old 04-23-2016, 06:25 PM
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.... he sadly reports that he can no longer sell the MaxCare Lifetime Warranty at the discounted price to Florida buyers due to, again, Florida state insurance laws. ....
I realize that in your case you have already purchased your KL and it would be a 240 mile run up I-75 to Valdosta, but for other Floridians, do you know of any reason a discounted Zeigler warranty couldn't be purchased if the vehicle were purchased from a dealer in GA or another state, even though titled and road insured in FL? IMO, it would be worth the drive to stick it to whatever insurance lobby for such practices.

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post #5 of 48 (permalink) Old 04-23-2016, 07:04 PM
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Sounds like someone bought themselves some legislation. How could a law like that possibly be "for the people"?
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post #6 of 48 (permalink) Old 04-23-2016, 11:45 PM
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Sounds like a good reason to skip on buying an extended warranty. Take the money you'd spend on that warranty and put it in a separate savings / checking account. Only use that money if you need repairs that are not covered by the 3/36 warranty.
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post #7 of 48 (permalink) Old 04-23-2016, 11:47 PM
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I was in a similar boat and have first hand experiencing dealing with this problem, but there are (or at least was) another option.

I live in Florida and purchased a 2016 TH back in January. When I bought it, the finance guy mentioned the Maximum Care plan, but didn't say anything about the lifetime option and I had no idea it existed. He mentioned one of the limited versions, but I had no interest in buying it then and he wasn't pushy (thankfully). A couple days later, a Jeep friend of mine told me about the lifetime option and I was very interested in it. I did a lot of research and after weighing the pros/cons decided to go for it.

I looked at a few sites online, but it was difficult to get FL pricing. One didn't have it listed and another did (at a full retail price). I called up my local dealer who said that they could not, by law, discount it. I did some research on this fact and it does appear to be accurate. Due to these plans being under the control of state regulations, they all have to be sold for the same price. There is a loophole though. If you buy it with the car, the dealer can discount the car price to compensate. For example, taking $1500 or so off the price of the car, thus making the lifetime plan cheaper in the end. But that doesn't help me or anyone else who already bought their car.

I too spoke to Bob Cline a few months back when I planned on buying the plan. He gave me a similar story, but said it was Mopar/FCA who told him he couldn't sell the plans to Florida residents anymore. It seems odd that this story is changing a bit, but I could see either one being accurate. He did however say he could sell it to me using an out of state address. I was tempted by this option, and would have considered it as a last resort, but was concerned due to possible rejection of claims down the road.

Anyway, I ended up calling Clay over at Zeller Motors. He had no problem selling me the plan in Florida. I signed the paperwork, gave him my CC info and within a few business hours had it on my Mopar account. He was a pleasure to work with and I highly recommend him. I'm not sure if his ability to sell in Florida has changed in the past 2-3 months, but I would STRONGLY recommend you reaching out to him ASAP in case there is a bigger crackdown.

The plan purchase agreement had a stipulation in it that clearly said it wasn't governed by FL regulations. I'm not sure if this might make it difficult/impossible to utilize the FL transfer benefit down the road, but I'm not too worried about that.


Unfortunately, it is the state that is causing the problem. Once again, in the Government's interest to 'help' people and regulate commerce, there were some unintended side effects. And I feel a bit bad for the FL dealers who are stuck in the middle and can understand if they are yelling at Mopar to stop the out of state sales. But in the end, if they are willing to fudge the car numbers to make it break even, that would be the ideal option in my book. But outside of that, Clay seems to be the only remaining dealer I'm aware of to offer plans to us.

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post #8 of 48 (permalink) Old 04-24-2016, 01:39 PM Thread Starter
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This is why I left California instead of taking a job there when I left the military.... They SUCK, too! Florida, Kalifornia, Sunny states run by liberals, think they know how to "protect" you better, they know "what is best for you"... get out while you can... Florida is only God's waiting room anyway!
I agree with you 100%. I've been in Florida originally from my great home state of Kentucky since 1977. I'm older now, retired and have lost the attraction of Florida for several years. Florida is just getting too crowded and too regulated. Try finding a good off-road area without a NO TRESPASSING sign!

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post #9 of 48 (permalink) Old 04-24-2016, 01:46 PM Thread Starter
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Quote:
Originally Posted by enki View Post
I was in a similar boat and have first hand experiencing dealing with this problem, but there are (or at least was) another option.

I live in Florida and purchased a 2016 TH back in January. When I bought it, the finance guy mentioned the Maximum Care plan, but didn't say anything about the lifetime option and I had no idea it existed. He mentioned one of the limited versions, but I had no interest in buying it then and he wasn't pushy (thankfully). A couple days later, a Jeep friend of mine told me about the lifetime option and I was very interested in it. I did a lot of research and after weighing the pros/cons decided to go for it.

I looked at a few sites online, but it was difficult to get FL pricing. One didn't have it listed and another did (at a full retail price). I called up my local dealer who said that they could not, by law, discount it. I did some research on this fact and it does appear to be accurate. Due to these plans being under the control of state regulations, they all have to be sold for the same price. There is a loophole though. If you buy it with the car, the dealer can discount the car price to compensate. For example, taking $1500 or so off the price of the car, thus making the lifetime plan cheaper in the end. But that doesn't help me or anyone else who already bought their car.

I too spoke to Bob Cline a few months back when I planned on buying the plan. He gave me a similar story, but said it was Mopar/FCA who told him he couldn't sell the plans to Florida residents anymore. It seems odd that this story is changing a bit, but I could see either one being accurate. He did however say he could sell it to me using an out of state address. I was tempted by this option, and would have considered it as a last resort, but was concerned due to possible rejection of claims down the road.

Anyway, I ended up calling Clay over at Zeller Motors. He had no problem selling me the plan in Florida. I signed the paperwork, gave him my CC info and within a few business hours had it on my Mopar account. He was a pleasure to work with and I highly recommend him. I'm not sure if his ability to sell in Florida has changed in the past 2-3 months, but I would STRONGLY recommend you reaching out to him ASAP in case there is a bigger crackdown.

The plan purchase agreement had a stipulation in it that clearly said it wasn't governed by FL regulations. I'm not sure if this might make it difficult/impossible to utilize the FL transfer benefit down the road, but I'm not too worried about that.


Unfortunately, it is the state that is causing the problem. Once again, in the Government's interest to 'help' people and regulate commerce, there were some unintended side effects. And I feel a bit bad for the FL dealers who are stuck in the middle and can understand if they are yelling at Mopar to stop the out of state sales. But in the end, if they are willing to fudge the car numbers to make it break even, that would be the ideal option in my book. But outside of that, Clay seems to be the only remaining dealer I'm aware of to offer plans to us.
Great info enki! Many thanks! I didn't contact Zeller Motors, figuring I'd get the same results. Just shot off an email to them inquiring about a quote. I'll check back in here when I receive his information. Hopefully Zeller Motors isn't playing this warranty game.

2016 Trailhawk, Deep Cherry Red, Black Interior (ordered 3/24/2016, delivered 5/10/2016)
3.2L V6 Engine
8.4nav Uconnect, SXM, Weather/Traffic
Technology Group
Convenience Group
SafetyTec Group
Leather Interior Group
Trailer Tow Group
Tonneau cover
CD Player
9-Speaker System w/sub
Panoramic Sunroof
Black Aluminum Wheels
Minor mods: Shark Fin antenna, door sill scuff plates
1st Jeep was new 1977 CJ-7 Renegade, wish I still had it.
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post #10 of 48 (permalink) Old 04-24-2016, 01:55 PM
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The biggest benefit of the Florida law is that you can transfer the lifetime warranty to the next owner for $40. This isn't allowed anywhere else and should SUBSTANTIALLY improve the resale value if you do decide to sell it. The resale value improvement should make up for the extra cost up front.

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