Structured F&I. Built to Last.

Increase profit per vehicle. Improve retention. Protect your reputation.

Custom warranty programs engineered for agents and dealers and refined through more than three decades of disciplined execution.

Design Your Program

30+ YEARS. 3,000+ DEALERS SERVED. $300M+ CLAIMS PAID.

Built to Protect Relationships

CareGard® exists to protect the relationship between the agent, dealer, and customer.
That relationship is the business.

See How It Works

Disciplined Performance. Measured over decades.

98.9%

Claims Approval Rate

Fair decisions. Customer trust protected.

<7 MIN

Average Time for Decision on a Claim

Fast turnaround. CSI Protected.

<30 MIN

Average Payment to Repair Facility

Prompt funding. No unnecessary friction.

92%

Average Dealer Retention Rate

Partnerships built to last.

$300M+

Total Amount Paid on Claims

Financial commitment proven in the market.

30+

Years in Business

Stable. Trusted. Accountable.

Disciplined Underwriting

Programs structured for long-term sustainability, not short-term volume.

Fair & Efficient Claims

Clear decisions. Responsive communication. Real people.

Dealer-First Partnership

We protect your reputation as if it were our own.

Explore Our Operating Philosophy →

“

CareGard® has been our partner for more than 23 years. I trust them with every one of our stores because they operate with the same discipline and accountability we demand of ourselves.

Robert H.

President, Multi-Store Automotive Dealer – TX

The Human Difference

Real People. Real Accountability.

CareGard® was built on accountability, discipline, and respect for the dealer's reputation.

Since 1994, we've believed that doing the right thing - not the convenient thing - is the only sustainable way to operate.

That standard isn't optional. It's how we operate.

Meet Our Team

Customized F&I Solutions

Built for Agents & Dealers Who Expect More.

Structure aligned to your model.
Pricing engineered for profitability.
Support that protects your reputation.

CareGard® was built for high-performing automotive professionals who value agility, accessibility, and intelligent design.

If you're looking for a provider, there are plenty.
If you're looking for a partner – let's build something that performs.

Build Your Program