- MPP provides numerous warranty options that are highly customizable, in addition to add-on coverages.
- MPP has fairly standard coverage, but it’s not accessible to most drivers because MPP only appears to offer contracts in 10 states.
- If you’re shopping for an extended warranty, it may be better to look at Endurance or Carchex. They have more reviews and are available in nearly all states.
As an extended warranty company that’s been around for a long time, Mechanical Protection Plan® (MPP) has a relatively low profile for its history. After a thorough review, our research team found MPP warranties to be pretty standard for the industry, making an MPP warranty a fairly good option for car coverage. We give MPP a rating of 4.2 out of 5.0 stars.
In this article, we’ll take a look at MPP’s coverage options, benefits, and general pros and cons as a warranty company. Our team has put 1,475 hours into researching 46 warranty companies and surveying 2,000 customers to find the best extended car warranty companies. Some of our top choices may be better options than MPP.
Our MPP Warranty Review And Methodology
We give MPP Warranty an overall rating of 4.2 out of 5.0 stars because, while the company has a few inconveniences, it has a good industry standing, a strong reputation among customers, and offers many versatile vehicle service contracts.
MPP’s overall rating is largely calculated from its combination of other ratings that are assigned to different review standard categories: industry standing, coverage, cost, transparency, and customer service.
How We Rated MPP Warranty
To give you the most current information, we update our review standards several times each year. Our warranty research evaluates providers in the following main categories:
Industry Standing: 4.4 Stars
MPP gets a good industry rating from us for a few reasons. The company is accredited by the Better Business Bureau (BBB) and holds an A+ rating from the organization, which means it’s well organized and responds to its customers’ reviews and complaints. It’s also been around since 1979, which means it has over 40 years of experience selling extended service plans.
Its parent company, Old United Casualty Company, is a great casualty insurance business that has an A score on AM Best. This shows that Old United Casualty (and by extension MPP) is in good financial standing, and ready to back up any claims that it needs to.
Coverage: 4.1 Stars
MPP’s coverage rating is high due to its number of vehicle service contracts that are tailored to different needs by car owners. MPP offers several coverage options each for new vehicles, used cars, certified pre-owned vehicles. There’s also bumper-to-bumper coverage for EVs.
MPP’s coverage is also highly customizable. This is in addition to the add-on coverages that MPP offers, such as GAP protection and theft protection. MPP loses a few points from us though because its coverage is only available across 10 states, which makes the provider largely inaccessible for many drivers.
Cost: 4.3 Stars
MPP protection plans are purchased through dealerships, so it’s difficult to obtain cost information. However, a cost benefit included in most plans is the disappearing deductible.
Even though MPP can’t provide a quote tool for consumers, it does showcase sample contracts that go over the details of each coverage plan. However, these are difficult to find, as they’re not listed on the plan pages.
Most plan pages display the exact components and systems covered by each plan, and include details about each contract’s transferability, claims assistance, and deductible options. MPP is mostly transparent in its coverage details, so we give it a high rating.
Customer Service: 3.8
We give MPP an above-average customer service rating because it has positive customer reviews on the BBB. However, for a warranty company at its age, it should have more reviews than it does. It also doesn’t have a mobile app, an online chat feature, or a reviews page on Trustpilot. However, many customers talk about MPP’s determination to give them a hassle-free claims process in reviews, which points to excellent customer service.
Is An MPP Warranty Worth It?
An MPP car warranty may not be worth it if you’re able to budget for unexpected repairs that can cost $500, $1,000, or more. Considering that even the most dependable cars have repair issues, the question is whether you want to pay for expensive problems as they arise or spread that cost out over many months.
To give you an idea of what you’d have to pay out of pocket for certain part replacements, the table below highlights common repairs found on vehicles:
Vehicle Component Replacement
Average Repair Cost
$541 to $571
$634 to $760
$963 to $1,039
$1,122 to $1,217
$1,389 to $1,619
*Replacement price information comes from RepairPal, a repair cost data site.
On the other hand, if you’d have a hard time paying cash for an unexpected emergency expense, an extended car warranty can offer great peace of mind.
Today, you can tailor plans to the type of car you have and your desired budget. If you just want to cover the basic engine and transmission parts, there’s a plan for that. If you want to continue coverage similar to your car’s factory bumper-to-bumper warranty, there are options for that, as well.
Dealing With Dealerships
In our opinion, MPP is another average option in the market that provides reasonable coverage and service – however, we think there are better options out there. Other companies let you compare plans and get quotes right from your computer at home, but since MPP’s products seem to be sold exclusively through dealerships, the company doesn’t feature an online quote tool.
From the customers that reported they received an MPP warranty from a dealer, they talk about how dealer representatives were pushy and implied that financing would be approved faster if customers signed up for an extended warranty.
MPP doesn’t control how dealers go about selling its products, but things like this do happen. If you’re shopping for a new or used car, be prepared for the salesperson to offer extra coverage, and be prepared to ask them for more time to review it.
A Menu With Too Many Choices
One critique we have is that MPP Company offers so many different options that it’s hard to keep track of plans and figure out what’s covered and when. The MPP website reads like a restaurant menu that has too many choices.
Sample contracts on the website don’t always match the plan comparison pages. Additionally, we had trouble telling the difference between the certified pre-owned Platinum Wrap and the pre-owned Platinum sample contracts – besides the titles.
It seems like some plans may be re-packaged versions of others with little to no difference. The advantage of this setup for dealers is that they can offer different car buyers warranty products that seem to match their exact situation. Of course, the sample contracts available online may be outdated, incomplete, or incorrect.
MPP Warranty Quick Facts
- Founded: 1979
- Headquarters: Merriam, Kansas
- Coverage options: Platinum, Gold, Silver, Bronze, and more
- Coverage terms: Variable
MPP is a third-party vehicle service contract company that primarily sells plans through dealerships. It has been in business for over 40 years and provides a number of other services in addition to warranties, like GAP insurance, maintenance programs, and paintless dent repair.
Its coverage appears to be available only from dealers in the following states:
- New Mexico
Is MPP Warranty Legit?
MPP is a legitimate warranty company that’s accredited by the BBB and has an A+ rating, as mentioned. All of its plans are serviced by Old United Casualty Company, which is an A rated AM Best insurance company. This means that MPP is in good financial standing to pay out claims. MPP has been a functioning warranty company for decades, with many great customer reviews.
MPP Warranty Customer Reviews
MPP has a surprisingly high customer satisfaction rating on the BBB, with 4.0 out of 5.0 stars. This is surprising because it’s generally normal to see lower customer ratings for warranty companies on the BBB. Satisfied customers of MPP have reported their happiness with MPP’s hospitality and determination to give customers a hassle-free claims experience:
“It was a trouble-free experience! To be able to have my car repaired and not have to worry as a single person how I was going to pay for it. And I was provided transportation … to get to work. Thank you MPP for being there for me!”
– Donna L., BBB
“Wow. [MPP] covered my tire and all costs. The sales clerk at the tire store said I had to pay and then get money from MPP … I called MPP, explained the problem, and was told to give the clerk the phone. Got an apology and a brand new tire. I love MPP.”
– Steven M., BBB
MPP Warranty Complaints
Like all companies, MPP has its complaints. Customers that were dissatisfied with MPP’s service reported long wait times for cars to be fixed and problematic contract term limits:
“MPP only uses rebuilt and defective parts to repair your car. … MPP takes forever to get the parts to the dealer and even then the car never gets fixed. Every time [my car] goes into the shop, it comes out with more problems. The dealer isn’t test driving. They are slapping a bandaid onto a refurbished part hoping I will go away.”
– Lisa M., BBB
“This company is terrible. Beware if you’re buying a preowned car. They’ll start the warranty from the date the car was originally sold – not from the date you bought it. … If you buy a six-year warranty on a car that was sold a year and a half prior, you’re only getting five-and-a-half years of a warranty.”
– Jill Q., BBB
The prior customer’s complaints on the term limits for their extended warranty is pretty standard for the extended vehicle service contract industry. It’s also worth noting that many customers that file complaints against warranty companies are often angry about the company not covering something that most warranty providers typically never cover.
MPP Warranty Coverage
MPP Company has a number of plans organized by coverage for new cars and coverage for used cars.
MPP Warranty Plans
For a new vehicle, the plans available to you include the Platinum plan and variations of the Platinum plan, each designed to highlight different components or maintenance.
|Plan||What It Covers|
|Platinum||MPP’s main exclusionary coverage for new vehicles is designed to augment an existing bumper-to-bumper warranty. It covers parts and labor for most electrical and mechanical components.|
|Platinum Care Elite||The Care Elite plan is a variation of the Platinum plan that includes the coverage offered by both the Elite and Care plans outlined below.|
|Platinum Elite||The coverage of the Platinum plan expands to include parts that regularly need changing, such as the battery, brake pads, fuses, bulbs, engine belts, hoses, wiper blades, and wheel alignment.|
|Platinum Care||MPP’s Care option adds maintenance to the Platinum plan. Covered regular maintenance includes tire rotations, oil changes, chassis lubrication, and oil filter changes.|
|Platinum Luxury Plus||Designed for new luxury cars, this plan builds on the Elite plan and adds windshield repair, tire and wheel replacement, paintless dent repair, and a complimentary Motor Club Membership through Road America Motor Club.|
You don’t have to purchase an MPP warranty when you buy your new car, but the start date on the contract will be your car’s in-service date. If the plan overlaps a factory warranty, MPP says the overlap will be factored into the price of your coverage.
MPP Warranty Coverage For Used Cars
Here’s what MPP’s certified pre-owned plans look like:
What It Covers
This variation of the certified pre-owned Platinum plan is designed for used cars with existing warranties. This plan expands on a factory warranty to cover most parts of the car.
Like the new car Platinum warranty, the used car Platinum plan provides exclusionary coverage for most mechanical and electrical systems.
The Gold plan includes stated coverage for a large number of parts.
This powertrain warranty also includes the A/C, steering, suspension, electrical, and brake systems.
MPP’s basic powertrain coverage for used cars covers the engine, transmission, transaxle, and four-wheel drive/rear-wheel drive systems.
MPP Care And MPP Club Plus
In addition to extended warranties, MPP Company has a number of non-warranty options designed to protect your vehicle. These can be added to your contract for more maintenance coverage. The Care option covers oil changes, filter replacements, chassis lubrication, and tire rotations according to the manufacturer’s recommended schedule.
Now, it’s nice to have, but the program doesn’t really go above and beyond. Lubricating the chassis mostly applies to older cars, and this might be a place where MPP Company is showing its age (it has been in business since 1979). Many modern cars don’t require chassis lube, and some even have sealed Teflon joints.
Additionally, you can usually have your tires rotated for free by the shop where you purchased them. It’s not clear how much the Care option adds to the cost of a plan, but it would be worth looking into if you are considering an MPP warranty.
MPP warranty holders also have the option to join MPP Club Plus. This is the same program that comes with the Luxury Plus plan and includes the following:
- 24/7 roadside assistance (towing, flat tire, battery, fuel, lockout)
- Key repair and replacement assistance
- Emergency message relay
- Trip interruption reimbursement
- Ambulance reimbursement
- Car theft and hit-and-run rewards
- Paintless dent repair
- Replacement tires and wheels due to road hazard
- Windshield repair
- Discounted products through membership
Paintless dent repair removes small dings from sheet metal without altering the finish of your car. Also, windshield repair is limited to small chips and cracks that are only cosmetic.
MPP Warranty Benefits
The only standard perk to an MPP warranty is emergency roadside assistance. It covers up to $100 per occurrence and includes towing, battery jump-start, spare tire installation, fuel delivery, and lockout assistance. It’s a decent roadside assistance program compared to industry average offerings.
The Luxury Plus plan includes the perks associated with Club Plus, but you’d have to add Club Plus onto any other plan separately to enjoy its benefits. Likewise, the maintenance Care option is also an add-on.
Other MPP Warranty Options
MPP’s offerings are not limited to the plans described above. The company also provides GAP coverage, heavy-duty commercial coverage, RV coverage, wear coverage for leased vehicles, and theft protection. Theft protection is administered through OnGard or Skylink.
MPP Warranty Cost
The cost of an extended warranty typically relies on your car’s make, model, age, and mileage. Whatever level of coverage you choose and the warranty company you choose it from will also be large determinants. If your car is an older model, it’s more likely to break down, so an extended warranty will likely be more expensive. Vehicles with more expensive quality car parts will cost more as well.
How Much Does An MPP Warranty Cost?
While we can’t provide you with price estimates, we can say that most vehicle service contracts range between $350 to $700 per year, with total costs going from $1,500 to $4,000 total. To get a quote, you’ll have to contact a local dealership that sells MPP warranties.
In a survey we conducted in March of 2022, the majority of 1,000 car owners who had bought extended warranties reported paying between $1,500 to $3,000. This information applies to many different extended warranty companies, though – not just MPP. Since MPP is an older company, it’s more likely to demand average or higher-than-average prices.
MPP Car Warranty: Conclusion
An MPP warranty can give you what you need for coverage. MPP offers versatile coverage options that are customizable, with great add-on plans. Unfortunately, MPP isn’t available in all states, so it may be better to find better coverage with another company that’s more accessible, like Endurance or Carchex.
Car Warranty Companies Like MPP Warranty
When shopping for extended warranties, the best thing to do is call around and get quotes customized to your specific vehicle. That way, you can compare each company’s prices and get a feel for customer service. We recommend getting free quotes from both Endurance and Carchex.
Endurance: 4.6 Stars
We give Endurance our award for Best Coverage because it features six different coverage tiers with its vehicle service contracts, one of which includes three different subtiers that provide routine maintenance services. Endurance’s plans can fit many car owners’ varying needs for their vehicles. Plus, Endurance is a direct provider of its warranties, which makes the claims process more likely to run smoothly and efficiently.
Read more: Endurance Warranty reviews
Carchex: 4.4 Stars
Talking on the phone with a Carchex expert is very different from sitting with a salesperson at a dealership who is trying to get you to purchase a plan. Carchex experts are trained to let you take your time and to help you find the best plan. The company has been in business for over 20 years, which is longer than many other third-party providers.
Read more: Carchex reviews
Compare: Endurance vs. Carchex
MPP Warranty Reviews: FAQ
Below are some frequently asked questions about MPP Warranty: