Nope — with Noble Quote, you can go to any licensed repair shop or dealer. We pay them directly at their posted labor rate, and we pay upfront, so you’re never stuck waiting for reimbursement.
NobleQuote: Best Auto Protection, Not Just the Oldest
Michael Kalamitsiotis
Published on: Mar 31, 2025
5 minutes
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The True Cost of Maintaining a Toyota: Is It Really as Affordable as You Think?When it comes to protecting your vehicle, it’s easy to assume that older companies are the most trustworthy. But the truth is, age doesn’t always equal value. At Noble Quote, we’re changing the game with a fresh, modern approach to vehicle service contracts. Our top auto protection plans are not only built to compete — they're designed to win.
So, what makes Noble Quote stand out in a crowded space full of outdated processes, markups, and confusing terms? Let’s break it down.
Why Noble Quote is the Best Auto Protection Choice Today
We’re not just another name in the auto protection plans business — we’re a direct-to-consumer auto warranty provider committed to transparency, real value, and fast service.
✅ 1. Flexible 0% Financing — Including 36 Months on Shorter Terms
Most providers make you commit to a 6-year plan just to access 36-month financing. Noble Quote? We offer 0% financing for up to 36 months on plans starting at just 4 years — giving you quicker access to lower payments without the bloated coverage terms.
Plus, we offer a full range of financing options to fit your budget:
- 12 months
- 18 months
- 24 months
- 30 months
- 36 months
No hidden fees. No dealer markups. Just real flexibility with affordable vehicle service contracts built around you. That’s why drivers across the country are calling Noble Quote the best auto protection on the market.
According to NerdWallet, flexible financing with zero interest is one of the top ways consumers avoid getting burned on auto protection — yet most companies don’t offer it unless you commit to a lengthy and expensive contract.
✅ 2. Limit of Liability: $10,000 or Nada Clean Trade Value — Whichever is Greater
We believe in quality auto protection that actually protects. Our policy's limit of liability is $10,000 or the NADA clean trade value, whichever is greater. That’s real value that evolves with your vehicle — not some static, outdated number.
Compare that to many competitors who cap your protection at a fixed value, no matter how much your car is worth at the time of claim.
✅ 3. Choose Your Shop — We Pay Them Directly at Posted Labor Rates
You love your car. You trust your shop. So why should a warranty company dictate where you go?
Noble Quote pays directly to your repair shop or dealer, at their posted labor rates, and we pay upfront. No more waiting weeks for reimbursement. That’s real freedom — and why so many drivers choose our reliable vehicle service contracts over traditional models.
Consumer Reports warns consumers to avoid plans that force you into limited repair networks or lowball reimbursements.
Modern Coverage for Today’s Drivers
We believe modern auto warranty solutions should reflect how people actually drive and own vehicles today — not how they used to.
🚙 We Cover:
- Lifted trucks
- Lowered cars
- Electric vehicles, including battery and home wall charger
- Catalytic converters and exhaust systems via our Green Choice Program
- Routine maintenance with reimbursement included
- 24-hour roadside assistance, towing, and rental car coverage
Other companies exclude lifted or modified vehicles. They charge extra for EVs. They leave out your most expensive repairs. Not us.
The Value Is 10x the Cost — Here’s Why
With a Noble Quote policy, customers are routinely saving thousands on real-world repairs. Here’s how the numbers add up:
| Component | Average Repair Cost | Covered by NobleQuote? |
|---|---|---|
| Engine Replacement | $4,000–$7,000 | ✅ Yes |
| EV Battery | $5,000–$15,000 | ✅ Yes |
| Transmission Repair | $3,500+ | ✅ Yes |
| Catalytic Converter | $1,000–$2,500 | ✅ Yes |
| Suspension | $1,000–$3,000 | ✅ Yes |
| Navigation System | $1,500–$3,000 | ✅ Yes |
| Routine Maintenance (over 3 years) | $1,500+ | ✅ Yes (Reimbursed) |
Many of our policies cost around $1,200–$2,000 depending on the vehicle — but they protect against over $10,000+ in potential expenses. That’s at least 10X the value. And with no dealership markup, you're saving even more.
Data from RepairPal and YourMechanic back up these average repair costs.
Old Companies vs. Noble Quote: Why New is Better
Some brands have been around for decades. But are they keeping up with today’s vehicles — and today’s drivers?
| Feature | Old Companies | NobleQuote |
|---|---|---|
| Direct-to-consumer model | ❌ No | ✅ Yes |
| EV & hybrid coverage | ❌ Limited or extra | ✅ Included |
| Routine maintenance included | ❌ Usually excluded | ✅ Yes |
| Modified vehicle coverage | ❌ Typically denied | ✅ Yes |
| Financing without upsells | ❌ Rare | ✅ 0% for 36 months |
| Transparent terms | ❌ Often hidden in fine print | ✅ Always upfront |
| Upfront shop payment | ❌ Usually reimbursement | ✅ Yes |
We're not just a new auto protection company. We're the best vehicle service contract option for smart drivers who expect more.
Why Customers Love Noble Quote
Here’s what makes Noble Quote the most transparent vehicle service contract in the market:
- No phone tag — you’ll get a real person in minutes
- No upsells or pressure — just the right protection
- We work with every type of driver: commuters, off-roaders, EV owners, young families, and retirees
- You can manage your coverage online, and we’ll remind you of important milestones
Ready to compare? Use our Learning Center to explore plans and pick the best one for your needs.
More Than Just Marketing — This is Auto Protection You Can Trust
We’re confident Noble Quote is the best D2C auto warranty provider out there. But don’t take our word for it:
External Reviews and Ratings
- BBB Rating: A
- Trustpilot Reviews: See our amazing reviews here.
Final Thoughts: Don’t Just Choose the Oldest — Choose the Best
You wouldn’t buy a phone from 2005. Why settle for a warranty company that still thinks it’s 2005?
NobleQuote is setting a new standard for top vehicle service contracts, modern auto warranty solutions, and comprehensive auto protection. Whether you're looking for affordable coverage, EV-friendly options, or a direct auto warranty provider you can trust, we've got your back.
The best part? You don’t have to wait or jump through hoops to get started.
Get Your Free Quote Today
Click below to get a fast, no-hassle quote and see why thousands are switching to Noble Quote — the best auto protection, not just the oldest.
Auto Protection FAQ: What Drivers Really Want to Know About Vehicle Service Contracts
Do I need to use a specific repair shop or dealership?
Are electric vehicles covered under Noble Quote plans?
Yes! Our EV coverage includes major components like battery systems, drive motors, and even home charging equipment. We're one of the few modern auto protection providers offering full EV protection.
Is Noble Quote a good option for used or high-mileage vehicles?
Yes, we offer vehicle service contracts for used cars and high-mileage vehicles. Our contracts are built to extend your vehicle's lifespan and help you avoid unexpected repair bills.
What is the best auto protection plan for my car?
The best auto protection plan depends on your vehicle, mileage, and driving habits — but a quality plan should include coverage for major components like the engine, transmission, electronics, and even routine maintenance. Noble Quote plans are customized to fit your car and budget, with options for lifted trucks, EVs, and more.
Can I get a vehicle service contract without going through a dealer?
Yes, absolutely. Direct-to-consumer providers like Noble Quote offer auto warranty coverage without dealer markup, so you save money and get better terms. Plus, we provide transparent pricing and flexible financing you won’t find at most dealerships.
How much does a Noble Quote vehicle service contract cost?
Noble Quote plans typically start around $1,200–$2,000 depending on your vehicle’s make, model, and mileage. Since each plan is tailored to your needs, you’ll always get real value — with policy benefits often worth 10X the cost in real-world repair savings.
What does Noble Quote cover that other warranty companies don’t?
We cover what others exclude — including lifted trucks, lowered cars, EV batteries, wall chargers, catalytic converters, exhaust components, and routine maintenance. We also pay your preferred repair shop directly and upfront, which many companies don’t.
Is 0% financing really available for 36 months with Noble Quote?
Yes! Noble Quote offers 0% interest financing for up to 36 months on our 4-year plans and longer — while most competitors only offer this on 6-year plans. We also provide 12, 18, 24, and 30-month financing options to fit your needs.
How can I compare auto protection plans and know which is best?
Use our Learning Center to compare auto protection plans, get answers, and understand your options without pressure. We break down every coverage level in plain language.
Why should I choose a newer auto protection company like Noble Quote?
Unlike older companies stuck in outdated models, Noble Quote offers modern, innovative vehicle protection with flexible financing, fast claims, and customer-first support. We're transparent, tech-forward, and built for the way people drive today.
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Every week we showcase three charitable organizations that our donations are sent to. Our clients are able to choose which of these three will receive their gift when they add coverage to their vehicle...