Structured F&I. Built to Last.

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

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

Design Your Program

30+ years. 3,000+ dealers served. $300M+ claims paid.

Protection Programs Built for Dealer Growth

Increase F&I Revenue. Strengthen Customer Retention. Build Long-Term Wealth.

Become a Dealer Partner Explore Our Solutions

Disciplined Claims. Real Accountability.

Real people. Expert support. 24/7. Always improving.

Explore Our Claims Process

Strategic Reinsurance. Structured Wealth.

Designed for owners who think generationally.

Discuss Wealth Architecture

Technology Built for Performance.

CareGard's technology is developed internally to support disciplined administration, real-time visibility, and seamless program management across our ecosystem.

Explore our Technology

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. Surround 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.

How We Operate

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

Built to Perform with Excellence for Every Role in the F&I Ecosystem.

Agents

Tools. Structure. Support. Growth.

Dealers

Profitability. Retention. Clean execution.

Claims

What to expect. How to file. Service promises.

Wealth Building

Participation programs. Strategic reinsurance.

Technology

Portals. Reporting. Integrations. F&I Menu.

CareGard® has been our partner for more than 27 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 a respect for the people we serve.

Since 1993, we've believed that doing the right thing – not the convenient thing – is the only sustainable way to build trust.

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

Meet Our Team

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