Protect My Car Warranty Reviews

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Last Updated: November 26, 2022

Review of Protect My Car: 4.4 stars

Protect My Car was our top choice when we looked at the best-extended car warranty companies in America. Protect My Car has strong industry standing and offers reliable vehicle service contracts. We rate Protect My Car 4.4 stars based on its customer service, reputation, coverage options, and price.

Although an extended Protect My Car warranty may be more expensive than other options, the company provides excellent coverage and peace of mind. Based on numerous Protect My Car reviews, this opinion is largely based. The company might be more affordable for customers who have smaller monthly budgets.

Pros and Cons of Protect My Car Warranty

Protect My Car Company Overview

Founded: 2005

Headquarters: St. Petersburg, Florida

Availability All States except Alaska, California and Hawaii, Missouri, Oklahoma, Oklahoma, and Washington

Protect My Car has offered extended warranty plans and auto coverage products for nearly two decades. The company has an A+ rating with the Better Business Bureau (BBB). It also receives exceptional 4.5 stars from Trustpilot customers.

Protect My Car reviews have also mentioned that many warranty providers do not cover older vehicles. Protect My Car sells Ambassador Maintenance Plans, which partially cover repairs for older vehicles with 13-year-old models.

What is the cost of extended warranties?

We compared the average price of extended auto warranties from different providers. This will allow you to quickly determine if you are paying an affordable price for extended protection from Protect My Car.

Our data shows that most drivers spend between $1600 and $3,200 to extend their auto warranty. Next, we'll go over some additional factors that can affect the price of your Protect My Car Warranty.

What factors affect warranty costs?

Protect My Car takes into account the following factors when setting rates for each vehicle service contract:

• Car make, model, and mileage. Older cars, less reliable models, and vehicles with higher mileage cost more to cover,
• Deductible: Low-deductible plans with lower deductibles are more expensive upfront but cost less to repair your vehicle.
• Coverage level: While comprehensive offerings can be more expensive, drivers might save money using them over time.



If you own an older vehicle or one more susceptible to breakdowns, you will likely pay higher rates. However, higher prices usually come with longer-lasting and more comprehensive plans.

Is there a deductible for Protect My Car?

According to Protect My Car reviews, drivers can expect to pay $100 per visit to the repair shop. Drivers will need to pay more when their vehicle breaks down, but this also lowers the monthly amount they are charged.

Protect My Car Protection Offered

Protect My Car offers three options for extended car warranties: Select, Supreme, and Driveline. While the company's vehicle coverage plans cover up to 10 years/125,000 miles, there may be some limitations on age and coverage.

Here's a list of the car parts and systems that are covered under each Protect My Car plan:

• You must ensure that your vehicle is maintained according to manufacturer recommendations. This is standard for most vehicle service contracts.
• Regular maintenance must be covered at your expense. You will need to keep proof of such maintenance.
• All plans can be transferred, and all have a $100 deductible, except the Driveline option, which has a $200.
• Addition, protect My Car offers a 30-day money-back guarantee.
• You will receive a full refund if your contract is canceled within 30 days.
• All other cancellations are prorated.

Inclusionary contracts cover only certain components of the vehicle maintenance contract. Therefore, exclusionary contracts offer less coverage than inclusionary contracts.

Supreme Coverage

Protect My Car's Supreme plan is the highest level of coverage. However, it's also the most costly. It covers most of the components covered by a manufacturer's warranty. Most Protect My Car reviews indicate that drivers are happy with the coverage.

Here are some details regarding the Supreme Coverage from Protect My Car

• Protect My Car offers the most comprehensive coverage
• Broad-ranging but inclusive coverage
• All parts of the Select plan and the turbocharger covered
• Cars with less than 50,000 km
• Optional add-on to the navigation system
• $100 deductible
• You will receive roadside assistance, rental car reimbursement, and oil changes.



Protect My Car is different from other extended auto warranty companies. The Supreme plan is inclusive, meaning all covered parts are listed in the contract. Exclusionary warranties are common in bumper-to-bumper warranties. This means that all parts of the warranty are covered unless specifically excluded.

Select Coverage

Select coverage protects with a slightly broader scope than the Supreme plan. This coverage is for cars with more than 50,000 miles and may not be eligible for Supreme.

Below is information about Protect My Car's Select Coverage:

• Driveline has more coverage than Supreme, but Supreme has less.
• All parts of the Driveline, plus certain brake parts.
• This is for cars with less than 90,000 miles
• $100 deductible
• You will receive roadside assistance, rental car reimbursement, and oil changes.

Select plans offer extremely comprehensive coverage. As a result, protect My Car reviews are often positive, and drivers can enjoy Select coverage.

Driveline Coverage

For cars with more than 100k miles, Driveline coverage is an excellent choice. Although it isn't as extensive as a powertrain warranty, older drivers often leave Protect My Car reviews.

Below are details about Driveline coverage:

• Protect My Car offers the smallest coverage
• This covers powertrain components such as the engine and transmission.
• Protects cooling system, electrical components, and air conditioning.
• This applies to cars that have more than 90,000. Miles but less than 125,000.
• $200 deductible
• You will receive roadside assistance, rental car reimbursement, and oil changes.



Protect My Car's Driveline plan is affordable but still offers quality coverage. This plan is worth considering if you keep high-mileage vehicles for many years.

Protect My Car Benefits and Exclusions

Protect My Car Benefits

All Protect My Car contracts offer the following benefits in addition to the coverage described in the chart:

• Assistance on the road 24/7
• Towing
• Rental car reimbursement
• Trip interruption reimbursement
• Oil changes
• Tire rotations

Roadside assistance is an option for extended warranties, but free oil changes or tire rotations are not. Nevertheless, these are valuable benefits that could save you hundreds of dollars each year, depending on how frequently you change your oil.

PMC Rewards Benefits

Protect My Car offers $50 in rewards points upon signing up. You will continue to earn rewards dollars for as long as your membership is active. These dollars can be used to buy gift cards at many restaurants and companies, such as Amazon, Panera, and Walmart. Protect My Car reviews highlight the PMC Rewards program among the best features of the warranty provider.

Protect my Car Exclusions

Protect My Car extended vehicle warranty does not cover every situation. You will be covered in most cases, but not the following:

• Items are damaged by nature, collisions, vandalism, and other acts of God.
• CarShield has not authorized repairs to be done on items that have been damaged.
• Items that require modifications or alterations
• Owner abuse or neglect can cause damage
• Preexisting warranties cover repairs

Vehicle service contracts are designed to protect vehicles if they experience mechanical breakdowns. However, you will still need to pay for damages due to collisions, environmental damage, theft, vandalism, etc.

Are Extended Warranties Effectively Covering Repairs?

Protect My Car does not cover every issue, so that exclusions may exist. However, here are the survey results of drivers who sought help following a roadside accident. Extended warranty providers almost always cover mechanical breakdowns, as can be seen. In addition, protect My Car reviews, and our survey results show that most drivers are impressed by the company's warranty services administration.

Is Protect My Car Insurance Coverable for Brakes?

According to to Protect My Car reviews, the Select and Supreme plans provide service for certain components. Brake pads are excluded from coverage because they're considered wear and tear parts. Ambassador Maintenance Plans may also cover certain brake parts.

What are Ambassador Maintenance Plans?

Protect My Car's maximum mileage limit is ten years/125,000 miles. While protection plans are available for new and used cars, extended warranties are only offered for vehicles younger than 13 years old. This restriction is common in the auto industry.

Protect My Car offers Ambassador Maintenance Plans for older cars. These policies are similar to extended car warranties but do not cover all costs of repairs. Protect My Car Ambassador plans to provide coverage for repair costs of the following components:

• Engine
• Transmission
• Transfer case
• Drive axle
• Differential assembly
• Front and rear suspension
• Cooling system
• Heating and air conditioning
• Elec.
• Choose from a variety of brake system components
• Timing chain
• Turbocharger

Protect My Car representatives can provide more information about which parts of your car are covered.

Ambassador Maintenance Plan Coverage Levels

Three coverage options are available: Ambassador Pro, Ambassador Elite, and Embassy Platinum. Although the first two options have a 50 percent deductible before Protect My Car pays to repair, they are quite extensive. The Platinum plan, on the other hand, is more comprehensive and only requires a 25% deductible for drivers.

Ambassador Maintenance Plans offer similar coverage to the Supreme plan. These policies can be very beneficial for older vehicles. To find out how much you can save, research the maintenance costs for your vehicle.

Protect My Car Reviews

Most Protect My Car reviews are positive. The company has an A+ rating from BBB and 4.1 stars from customer reviews. Trustpilot also gives it a high rating with a rating of 4.4/5.0 after 3,315 reviewers pitched in their opinions about the warranty company. Protect My Car received less than 200 complaints from the BBB over the past three years. This is quite a low number for a company this large.

Each company has its ups and downs. Read the Protect My Car reviews below to find out how to Protect My Car works.

Numerous Protect My Car complaints refer to annoying robocalls using the company's name. These issues could not be from Protect My Car, and they don't reflect the quality of the warranty coverage.

Can I Cancel Protect My Car Protection?

You can cancel a Protect My Car plan by calling the company at 1-844-556 4762 and then filling out a cancellation request form.

What is a Protect my Car Warranty?

Protect My Car reviews say you'll have no problems reaching out for quotes or services. The following sections will help you to figure out how to contact the company.

How do I get a quote to protect my car?

Protect My Car offers a free quote. You can call the company or complete a form online. Protect My Car reviews show that the company can work with almost any budget and offer affordable options.

The customer service representative tried to push us into purchasing a protection plan over the phone when we called. However, other customers had better experiences with the quote process. Nevertheless, protect My Car reviews are positive and praise the professionalism of the sales representatives.

How do I file a claim with Protect my Car?

Protect My Car makes filing a claim for a covered car repair easy. Here are the steps to file a claim for a covered repair after a vehicle defect.

1. Bring your vehicle to a licensed repair shop.
2. Authorize the repair shop for the diagnosis of the vehicle.
3. To get approval, have the repair shop contact Protect My Car's claims department.
4. Pay your deductible amount.

Protect My Car reviews, as with many extended warranty providers, are very mixed regarding the claims process. While some drivers are extremely frustrated with the company's response times, others feel Protect My Car addressed their needs professionally and efficiently.

Protect My Car Waiting Period Length

Protect My Car has a 30-day waiting period before it can begin coverage. This ensures the company only offers coverage to vehicles with one preexisting problem. Drivers who sign up for the Ambassador Maintenance Plan have a 15-day waiting time.

How do I contact Protect My Car?

Protect My Car can be reached at 1-854-556-4762. In addition, 1-888-6762 is the number to call if you need roadside assistance.

Extended Car Warranty: Is it Worth It?

According to our comprehensive coverage study, most drivers believe extended vehicle warranties are worth it. We have studied the results of studies where 1000 drivers who bought or considered extended vehicle coverage participated. Below are some highlights:

• A little over 13 percent were unhappy with the warranty coverage.
• 41% said they are satisfied with their provider
• Twenty-four percent said they were happy, despite not having filed a warranty claim.

Most motorists are satisfied with the coverage of extended warranties they have purchased. Extended warranties are, therefore, valued by many users.

Can I use an extended car warranty?

Yes, many drivers end up using extended auto warranties. Protect My Car reviews show that extended coverage is quite common among motorists. Here's a breakdown of the frequency that drivers experience mechanical breakdowns.

Vehicles age and start to have reliability problems. Of course, some models will last longer than others, but you can expect problems to occur more frequently if your vehicle is older.

Extended Car Warranty Information

From what I have gathered online, some surveys show that 41% of surveyed drivers believed that their purchase was worthwhile. This is a strong endorsement of vehicle service contracts. A plan costs an average of $1,500 to $2,500, with 45 percent of drivers paying within this range.

Additional Best Extended Car Warranty Companies

When looking for an extended warranty on your car, it is smart to get quotes from several providers. Prices can vary from one person to another, so it's important to compare prices for different providers. These are our top two choices for extended car warranty protection.

Endurance: The Best Coverage

Based on over 5,100 Endurance warranty reviews, Endurance received a Trustpilot score of 4.1 out of 5 stars. Endurance has some of the most comprehensive coverage in the market and is considered reliable. Endurance provides six levels of coverage, ranging from basic powertrain coverage to complete exclusionary coverage. In addition, some plans cover routine maintenance.

Endurance Elite Benefits are included in most Endurance extended warranty plans. These benefits include:

• Total loss coverage (up to $1,000 towards a replacement vehicle
• Assistance on the road 24/7
• Key fob replacement (maximum $500)
• Tire repair/replacement ($125 for two tires per year).
• Collision Discount (up to $500 per collision with a $1,000 limit

All states, except California, have endurance vehicle protection programs.

CARCHEX: The Best Place to Buy Used Cars

CARCHEX has been selling extended warranty contracts for more than 20 years. The BBB has awarded CARCHEX an A+ rating. In addition, many CARCHEX reviews are positive. In the last three years, only 166 BBB complaints have been received by the company--a very low number considering how many contracts CARCHEX has sold.

CARCHEX's quote process takes less than 10 minutes. You can also contact the company via an instant messaging tool on its website. CARCHEX offers a great option for extended auto warranties at a very affordable price. Compare CARCHEX and Protect My Car with our Protect My Car review.

The Car Data Review Methodology

Our expert review team is committed to providing honest and objective information. Based on consumer data, we identified the following rating categories and did extensive research to determine the top extended auto warranty providers.

• Affordable: Many factors influence the cost of a service, making it difficult to compare prices between providers. Our secret shopper team analyzes different vehicles, mileages, and warranty plans to give you this rating.
• Coverage - Each consumer has different needs. Every car warranty company must offer a variety of coverage options. We consider the number of plans available, terms limits, exclusions, and additional benefits.
• Industry Standing: Our team considers Better Business Bureau (BBB), ratings, availability, years in business, and other factors when determining this score.
• Customer Services: Trusted extended car warranty companies provide a level of customer care. We consider customer reviews, BBB complaints, and responsiveness to customer service.
  

Frequently Asked Questions