Our experts researched Protect My Car reviews, coverage options, and benefits to help you get a sense of the pros and cons of warranty coverage from the company. If you're looking for the best extended car warranty, this review can help you compare Protect My Car with other third-party warranty providers and make an informed decision.
In this article:
- Protect My Car Overview
- Protect My Car Plans: What’s Covered
- What Is The Average Cost Of Protect My Car?
- How A Claim With Protect My Car Works
- What’s Not Covered?
- Additional Benefits Of Protect My Car
- Protect My Car Reviews
- Our Take On Protect My Car: 4.3 Stars
- Other Top Extended Warranty Providers
- FAQ: Protect My Car
Protect My Car Overview
Established in 2005 and based in Saint Petersburg, Florida, Protect My Car is a popular choice for vehicle service contracts. The company offers numerous extended used car warranty options: its standard plans cover up to 125,000 miles, while its Ambassador Maintenance Plans can cover most vehicles regardless of mileage.
With hundreds of five-star customer reviews on the Better Business Bureau (BBB) and Trustpilot, the company looks attractive on the surface. But do its plans offer the value the company claims to provide?
We took a deep dive into Protect My Car and broke down our findings into a list of pros and cons to help you see if its plans are worth your time and money.
Protect My Car Plans: What's Covered
Protect My Car offers three levels of coverage: Supreme, Select, and Driveline.
The Supreme plan is the Protect My Car option most similar to a manufacturer's warranty. It’s designed for those who need additional coverage because they plan to keep their new cars beyond the manufacturer’s factory warranty term, which is usually three years.
This is the best coverage level at Protect My Car if you want comprehensive protection. According to our survey of 1,000 extended warranty customers from multiple brands, comprehensive is the most popular type of coverage.
The Select plan is designed for vehicles with more than 50,000 miles. It provides protection for vehicles that are just outside the requirements for the Supreme plan. It includes all the components the Supreme plan covers, with the exception of the turbocharger and navigation systems.
The Driveline plan is designed for older vehicles that are four to ten years old and have more than 80,000 miles. Despite the high mileage, this plan covers many of the same components as the Supreme and Select plans but excludes the front and rear suspension, turbocharger, and navigation system. This plan covers the powertrain plus cooling, electrical, and more.
|Percent Plan Pays Toward Repairs||100%||100%||100%|
|Air Conditioning and Heating||✓||✓||✓|
|Front and Rear Suspension||✓||✓|
|Select Brake System Components||✓||✓|
|Rental Car Reimbursement||✓||✓||✓|
Ambassador Maintenance Plans
Although vehicles over 13 years old can’t take advantage of an extended warranty with Protect My Car, the company offers Ambassador Maintenance Plans that come with guaranteed discounts between 50 and 75 percent on repairs, 24/7 roadside assistance, rental car reimbursement, and more for older cars.
Ambassador plans are comprehensive, which means coverage applies to almost any mechanical breakdown. You'd pay either 25% or 50% of the repair cost depending on the plan you get.
|Ambassador Platinum||Ambassador Pro||Ambassador Elite|
|Front and Rear Suspension||✓||✓||✓|
|Air Conditioning and Heating||✓||✓||✓|
|Select Brake System Components||✓||✓||✓|
|Rental Car Reimbursement||✓||✓||✓|
Does Protect My Car Cover Oil Changes?
Yes, Protect My Car covers oil changes and tire rotations under all of its extended warranties. Benefits such as roadside assistance and trip interruption are standard in the industry, but Protect My Car goes the extra mile by providing oil changes and tire rotations.
What Is The Average Cost Of Protect My Car?
According to quotes our team received, Protect My Car costs between about $80 and $120 monthly. Total prices range from about $3,000 to $4,000, depending on the plan and terms you select, as well as your car's make, model, and mileage.
Protect My Car’s flexible and lengthy payment terms of 36 to 48 months are significantly longer than the terms other third-party auto warranty companies offer. While these terms can make the monthly payments more affordable, the generous lengths may result in higher overall plan prices.
Like most warranty companies, Protect My Car offers a 30-day money-back guarantee on all extended car warranty plans.
For more clarity on the cost of Protect My Car extended warranty coverage, our review team reached out and received the following quotes:
|Vehicle||Protect My Car Warranty Plan||Term Length||Monthly Payment||Deductible|
|Honda CR-V||Supreme||Up to 75,000 miles||$83.86 for 36 months||$100|
|Chevrolet Silverado||Supreme||Up to 75,000 miles||$88.17 for 36 months||$100|
|Honda CR-V||Select||Up to 75,000 miles||$85.01 for 36 months||$100|
|Toyota Camry||Driveline||Up to 175,000 miles||$111.49 for 36 months ||$200 |
|Honda CR-V||Ambassador Platinum||Unlimited miles||$102.57 for 36 months ||25% of total cost |
Protect My Car Down Payment
Protect My Car plans require a down payment at the time of purchase. This down payment may be equal to your monthly payment amount or slightly higher, depending on the plan and terms.
How A Claim With Protect My Car Works
The claims process with Protect My Car is very straightforward. To file a claim, you call the company’s claims department to obtain prior authorization before having any car repairs performed – with the exception of emergencies, which are outlined in your Protect My Car warranty contract. You’ll drive or have your car towed to a licensed repair shop and then give the mechanic information about your protection plan.
In some cases, you may need to have the repair facility inspect your vehicle to diagnose the cause and cost of the repair. It’s important to note that Protect My Car reserves the right to require this inspection. The cost isn’t covered by any Protect My Car contract prior to any repair being authorized or performed.
Once the covered repairs are complete, Protect My Car pays the repair facility directly or reimburses you for the repair costs minus the deductible, which you’ll need to pay up front. You must submit the necessary documentation to Protect My Car’s claims department within 30 days, but Protect My Car’s contracts are unclear about whether those 30 days begin at the time the issue is diagnosed or repaired.
What’s Not Covered?
As is the case with most extended car warranties, Protect My Car contracts list various exclusions. Protect My Car won't cover auto repairs due to:
- Accidental damage
- Competitive driving
- Lack of proper maintenance
- Issues that existed before your Protect My Car contract started
- Normal wear and tear
Several parts are also excluded, including bulbs, certain emissions components, catalytic converters, and hoses. Of course, Protect My Car also won't cover collision damage since this is the responsibility of your car insurance company.
Additional Benefits Of Protect My Car
Like most third-party warranty providers, Protect My Car offers added benefits, such as roadside assistance, with the purchase of all warranty plans. However, a look into the fine print of various vehicle service contracts can reveal drastic differences in the true value of these benefits.
According to Protect My Car’s website, the company promises to “be there to help you through each step” when a mechanical breakdown happens. The roadside assistance program comes at no added cost to Protect My Car customers, but a look into the program’s details reveals it doesn’t provide a lot of value.
Drivers are limited to just two roadside assistance calls per year, and any call after that is charged at a rate of $50 per service. Additionally, towing is limited to one tow within a 72-hour period, and cars can only be towed to a licensed repair facility.
Although Protect My Car will assist you in a bind, you are responsible for associated fees, such as the cost of gas and key cutting. This includes circumstances such as:
- Vehicle jump-start
- Lockout service
- Changing a flat tire
- Gas delivery during an emergency
Any roadside assistance that exceeds $100 will be the responsibility of the driver, meaning you’ll likely be paying something out of pocket for each roadside assistance call. For example, a locksmith can cost as much as $250 to unlock a car, according to eLocal.
Additionally, rental car reimbursement is limited to $30 per day and can’t exceed seven days or a maximum of $210 per occurrence. Daily motel and restaurant reimbursements are just $50 for a maximum of three days in cases where your vehicle must remain at the repair facility overnight and you’re more than 150 miles from home. For perspective, as of November 2020, statista.com found the average price of an overnight hotel stay to be about $91.
Protect My Car Reviews
Protect My Car has an A+ rating from the BBB along with a customer rating of 4.2 out of 5.0 stars on the BBB website. The company also has a 4.5-star rating on Trustpilot from over 3,200 drivers. These ratings are high, especially for the extended warranty industry.
Positive Protect My Car Reviews
The vast majority of customer reviews for Protect My Car online are positive. Here are some common themes we noted when researching multiple reviews:
- Smooth claims experience
- Professional customer service staff that's easy to talk with
- Quick communication between Protect My Car and repair shop
- Easy cancellation process without being hassled
Negative Protect My Car Reviews
Of course, not everyone has a positive experience with Protect My Car. Like all warranty companies, Protect My Car can't guarantee every repair will be covered. Sometimes, repairs can be denied because the damage was from normal wear and tear instead of a defect. Here are a few common themes from negative Protect My Car reviews:
- Certain parts or systems not being covered
- Unhelpful customer service agents
- Unsolicited sales calls
How To Cancel Protect My Car
To cancel a Protect My Car warranty, you need to download a cancellation request form from the company's website or contact customer service. On the form, you'll note the vehicle's mileage. You can cancel within 30 days for a full refund. After that, you'll get a prorated refund.
Protect My Car Service Numbers
You can reach Protect My Car's customer service department by calling 1-844-556-4762. If you need assistance with a claim, you can contact the claims department at 1-844-256-4762. For roadside assistance, call 1-888-676-4762.
Our Take On Protect My Car: 4.3 Stars
We rate Protect My Car 4.3 out of 5.0 stars and recognize it for having the Best Maintenance Benefits in 2022. The choice between a traditional vehicle service contract or a maintenance plan gives drivers a lot of flexibility, and Protect My Car reviews highlight long and flexible payment terms.
|Protect My Car customers have access to PMC Rewards, a shopping and dining discount reward program||To qualify for an extended warranty, your vehicle can't be more than 13 years old|
|All warranty plans include 24/7 roadside assistance||Plans not offered in Alaska, California, Hawaii, Missouri, Oklahoma, or Washington|
|36- to 48-month payment plans|
|Ambassador Maintenance Plans are good for older vehicles|
While it doesn't provide an extended warranty for vehicles older than 13 years, the Ambassador Maintenance Plan seems like a good alternative, especially with its discounts on repairs and benefits, such as free oil changes and tire rotations.
Check the price on a Protect My Car extended warranty for your vehicle with the quote button below.
Other Top Extended Warranty Providers
It’s always best to get more than one free quote when making a decision on extended warranty coverage. Many manufacturers have their own plans that you can purchase at the dealership where you bought your vehicle. You also have more than a few options for third-party car warranty companies.
In addition to Protect My Car, our team recommends Endurance, CarShield, and CARCHEX. These companies scored well in our industry-wide review for their strong customer service reputations, five or more coverage plans, and competitive pricing.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of extended auto warranty companies to formulate rankings of the best providers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Warranty providers with a history of strong business practices and endorsements from experts receive the highest scores in this category.
- Coverage: This rating is based on types of extended warranty plans available, coverage terms, and added benefits like roadside assistance.
- Cost: Our research team reviews sample quotes for a variety of plans and vehicles. Companies with lower prices per year of coverage receive the best scores.
- Transparency: This score takes into account contract transparency and the availability of a money-back guarantee.
- Customer Service: We comb through customer reviews and perform our own shopper analysis to get a sense of the responsiveness and helpfulness of each warranty company.
Read our guides to other warranty providers: