Route 66 warranty coverage is a vehicle service contract sold only through participating credit unions and banks, offered in three tiers that range from basic drivetrain protection to near-factory coverage. Every plan carries a zero deductible on covered parts and labor, includes 24/7 roadside assistance and rental car reimbursement, and is administered by ASC Warranty, Inc. of Mountain Home, Arkansas, with backing from Assurant Solutions. What it actually pays for depends heavily on which tier you buy and whether your vehicle, your maintenance records, and your repair process all line up with the contract’s requirements.
The Three Coverage Tiers
Easy Street
Easy Street is the top tier and the most comprehensive plan. It’s structured as an exclusionary policy, meaning it covers virtually everything the manufacturer’s original warranty would have covered except for items specifically listed as excluded. Covered systems include the engine, transmission, drive axle, air conditioning, steering, brakes, cooling, fuel delivery, suspension, and electrical components. Rental car reimbursement under Easy Street pays up to $50 per day, capped at $250 per claim.
Eligibility varies by the selling institution. One credit union’s reference guide lists Easy Street as available for 2015 and newer vehicles with up to 140,000 miles, while another lists no year-model or mileage limit. Confirm the specifics with whoever is quoting you.
Main Street
Main Street is a named-component plan covering all major systems. It includes everything in the First Street tier plus air conditioning, steering, brakes, cooling, fuel delivery, front suspension (for vehicles under 85,000 miles at purchase), and expanded engine and electrical coverage. Rental car reimbursement pays up to $40 per day, capped at $200.
Main Street is generally available for vehicles up to nine model years old with 140,000 miles or fewer at purchase.
First Street
First Street is the basic plan, limited to drivetrain components: engine, standard and automatic transmission, and drive axle assembly. It also includes “Bonus Coverage” for the water pump, alternator, starter, and voltage regulator, though that bonus coverage pays only 50% of parts and labor. First Street carries a $3,000 claims limit at some institutions. Eligibility matches Main Street: vehicles up to nine model years old with 140,000 miles or fewer.
One important difference from the upper tiers: First Street excludes normal wear and tear, and it excludes seals and gaskets unless they fail in connection with a covered part replacement. Easy Street and Main Street cover both.
What Route 66 Will Not Pay For
All three tiers share a long exclusion list, and most denied claims trace back to it.
- Maintenance and wear items: tires, wheels, brake pads and rotors, struts, shocks, belts, hoses, filters, fluids, lubricants, clutch and pressure plate, and tune-up items.
- Body, interior, and cosmetic parts: trim, molding, upholstery, glass, and paint.
- Exhaust and emissions components, including catalytic converters.
- Electronics and safety systems: airbag systems, safety restraints, keyless entry, anti-theft systems, lighting, and wiring harnesses. Sound systems, navigation, GPS, DVD players, and related electronics are excluded unless you buy the Enhanced Electronics Protection add-on.
- Shop and operational expenses: diagnostic time, taxes, fluids used during repair, alignments, Freon and A/C coolants, and shop supplies.
Coverage is also denied under certain circumstances no matter which tier you own:
- Damage from racing, off-road driving, rental or delivery use, or emergency-vehicle service.
- Failures caused by overheating, freezing, lack of proper fluids, or failure to follow the manufacturer’s maintenance schedule.
- Collision, fire, theft, flood, vandalism, contamination, and acts of nature.
- Any issue that existed before the contract start date.
- Vehicles with disconnected, altered, or unverifiable odometers.
- Salvage, theft, total-loss, flood-damage, or “parts only” titles (ineligible for Easy Street and Main Street).
- Trucks or chassis rated above one ton.
Enhanced Electronics Protection
Because the base plans exclude most infotainment and advanced electronics, Route 66 sells an optional Enhanced Electronics Protection package for an additional $150. It’s available for 2015 and newer vehicles with up to 140,000 miles that don’t already qualify for Easy Street.
The add-on covers GPS and navigation components, key fob repair or replacement, LCD screens, DVD players, satellite and MP3-enabled radios, stereos, backup cameras and reverse sensors, side-mirror and rearview-mirror cameras, collision avoidance systems, lane departure warning, HomeLink, WiFi data connections, Bluetooth, and driver-assist systems.
Vehicles and Brands That Can’t Be Covered
Route 66 covers both new and used vehicles, but several makes are off the table entirely, and others require a surcharge.
- Fully excluded brands: Audi (non-surcharge models), Jaguar, Land Rover, Porsche, and Saab.
- BMW: the 6, 7, and 8 Series along with the X, Z, and M lines are excluded. Lower-numbered series (1 through 5, X1 through X4) may be eligible with a surcharge.
- Mercedes-Benz: only the C-Class, E-Class, CLA, GLA, GLC, GLE SUV, and GLK 250 are eligible, all with surcharge pricing. AMG models are excluded.
- Chevrolet Corvette, Hummer H1 and Hummer EV, and all exotic or limited-production vehicles.
Current surcharge amounts for the eligible European models aren’t published in Route 66’s brochures; the company directs buyers to its website for pricing.
Benefits That Come With Every Plan
- Zero deductible on any covered claim.
- 24/7 roadside assistance, including towing, flat tire service, battery jump-starts, and lockout assistance.
- Rental car reimbursement, with the caps noted above by tier. Reimbursement requires at least four hours of covered repair time and submission of rental receipts.
- Trip interruption: if the vehicle needs overnight repairs more than 100 miles from home, the plan reimburses up to $125 per night for hotel and meals, for up to three nights.
- Total loss refund (optional): refunds the full warranty premium up to $2,000 if an insurance company declares the vehicle a total loss.
- Transferability to a new owner if the vehicle is sold.
- Nationwide repair at any ASE-certified facility.
What It Costs and How to Buy
Route 66 plans are not sold online, directly by the company over the phone, or at dealerships. The only way to buy is through a participating credit union or bank, where the cost can often be rolled into an existing auto loan. Some institutions don’t require an active auto loan to purchase coverage.
Most plans cost between $1,200 and $2,000 total, though pricing varies by vehicle, tier, and institution. As of late 2025, sample Easy Street quotes through one Colorado credit union ranged from $1,250 for a 2020 Toyota RAV4 with 40,000 miles (four-year, 75,000-mile term) to $1,770 for a 2018 Ford Explorer with 55,000 miles (five-year, 100,000-mile term). BMW owners have reported paying more: one cited $2,368 for a used BMW 528, another $3,350 for a BMW 535xi with 110,000 miles.
To get a quote, contact a local credit union that partners with Route 66 and provide the vehicle’s VIN and current mileage.
How Claims Work
The process matters, because skipping a step can cost you the claim.
Take the vehicle to any ASE-certified repair shop and present the service agreement. Before any work begins, the repair facility must contact Route 66’s claims department at 1-800-808-0828 or claims@route66warranty.com to get an authorization number. Prior authorization is strictly enforced. Repairs performed without it will not be paid.
Once authorized, Route 66 pays the repair shop directly by corporate credit card. You pay only for fluids, filters, and sales tax. Rental reimbursement requires submitted receipts.
Keep all maintenance records. Route 66 can deny claims if you can’t show that manufacturer-recommended maintenance was performed, so hold onto oil-change receipts and service records.
Cancellation and Refunds
Route 66 offers a money-back guarantee during the initial period after purchase. Some institutions set that window at 30 days, at least one lists 60 days, so check your contract. If no claim has been filed during that window, you get a full refund.
After the guarantee period, cancellation requires a written request to the administrator including the agreement number, the reason for cancellation, and a notarized statement of the current odometer reading. The refund is prorated based on the greater of time elapsed or miles driven relative to the total contract term, minus a $25 cancellation fee and the cost of any claims already paid. If the plan was financed through a lender, the refund goes to that lender. Processing takes up to 30 days.
Known Complaint Patterns
ASC Warranty, Inc. holds an A+ rating with the Better Business Bureau and is BBB-accredited, but the BBB profile also shows 113 complaints filed over the most recent three-year period. On ConsumerAffairs, the company carries a 1.5-star rating from 57 reviews, 80% of them one-star.
The most frequently cited reasons for denied claims:
- Pre-existing conditions: Route 66 denies claims when it determines the problem began before the contract start date, even if the buyer wasn’t aware of it.
- Missing maintenance documentation: claims rejected when owners can’t produce physical receipts for routine service.
- Vehicle modifications: oversized tires, lift kits, and aftermarket programmers cited as grounds for denial.
- Emissions classification: Route 66 has classified some mechanical parts as “exhaust or emission” components (which are excluded). Customers have disputed this for parts like crankcase separator assemblies.
- “No failure” findings: if a part is making noise or showing symptoms but hasn’t completely failed or triggered diagnostic codes, Route 66 may refuse the repair.
- Normal wear and tear on First Street plans, including failures like piston ring degradation.
- Repair cost exceeding vehicle value: some claims denied because the estimated repair cost exceeded the vehicle’s trade-in value at the time of the claim.
Several complainants have reported difficulty getting formal written denial letters or detailed findings from Route 66’s third-party inspectors, which makes a challenge harder to mount. Some customers have been told there is no appeals process, though contract language suggests otherwise.