When it comes to finding repair shops when you need covered repairs, you’ll have plenty of options. Both companies allow you to have your car serviced at any ASE-certified repair facility in the country, including your dealership of purchase if you prefer. This leaves you hundreds of thousands of automotive repair shops to choose from.
One important difference when looking at Protect My Car vs. CARCHEX is that CARCHEX contracts are offered through several administrators. This means each level of CARCHEX coverage has multiple contract options from different companies. While these contracts are largely similar, there are slight differences such as reimbursement amounts for roadside assistance.
Protect My Car Coverage
Protect My Car offers three levels of extended warranty coverage:
- Ultimate: Closest to a factory warranty, this vehicle protection plan also covers your car’s turbocharger and high-tech electrical system. The Ultimate plan provides exclusive maintenance benefits for one year.
- Deluxe: Designed for vehicles with an average mileage, the Deluxe plan covers everything the Essential plan covers in addition to suspension, steering, and brakes.
- Essential: The cheapest plan, Essential is for high-mileage vehicles over 100,000 miles or 20 years of age. In addition to the engine, transmission, drive axle, and transfer case, Essential covers heating, electrical, cooling, and fuel systems.
Protect My Car contracts all come with roadside assistance, rental car reimbursement, and a trip interruption allowance. All plans also come with PMC rewards, where you could win free gift cards, new products, $500 cash prizes, and more. It’s important to know that the longest term for a Protect My Car contract is 200,000 miles, and that the company doesn’t sell warranties in Washington or California.
When comparing Protect My Car vs. CARCHEX, you will find that CARCHEX has more coverage options. The five CARCHEX plan options include:
- Titanium: As the highest level of coverage, the Titanium plan only lists the items it doesn’t cover in its contract. If an item isn’t listed, you can consider it covered.
- Platinum: Platinum is CARCHEX’s most comprehensive stated-component coverage for nearly all vehicle systems, including high-tech electrical components.
- Gold: This mid-level coverage works for most major vehicle systems.
- Silver: This provides enhanced powertrain coverage, along with air condition, electrical, and fuel.
- Bronze: This basic powertrain warranty covers your engine, transmission, and drivetrain.
The longest CARCHEX contract term is 10 years/250,000 miles. As with Protect My Car contracts, all CARCHEX warranty plans include roadside assistance (with features such as towings, lockouts, and jump-starts), rental car reimbursement, and a trip interruption allowance. CARCHEX warranties are available in all 50 states.
Protect My Car gets a slightly higher coverage rating from us overall. While CARCHEX offers more coverage options, Protect My Car offers very thorough coverage options at cheaper monthly prices. It also offers maintenance packages and includes more special perks with its plans.
Protect My Car Vs. CARCHEX: Transparency
Protect My Car and CARCHEX both allow you to pay your entire warranty cost upfront or break it down into monthly payments. Additionally, both companies offer a 30-day money-back guarantee if you find you’re not satisfied with your policy or change your mind.
Prospective customers of either provider can view sample contracts to find the warranty that best fits their needs. However, only CARCHEX shows customers the sample contracts on plan pages. Keep in mind that extended car warranty costs can vary from customer to customer and depend on a number of factors, such as your vehicle age and mileage.