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To take a closer look at Protect My Car, our experts researched Protect My Car reviews, coverage options, and benefits. 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

Established in 2005 and based today in Saint Petersburg, Florida, Protect My Car is a popular choice among car owners for vehicle service contracts. On the surface, with hundreds of five-star customer reviews on the Better Business Bureau (BBB) website and Trustpilot, the company looks attractive. But do its plans really 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 warranty coverage: Supreme, Select, and Driveline. 

Supreme

The Supreme plan is the Protect My Car option that is most similar to the manufacturer's warranty. It’s designed for customers who need additional coverage because they plan to keep their new cars beyond the manufacturer’s factory warranty term, which is usually three years. 

Select

The Select plan is designed for vehicles with more than 50,000 miles. It provides protection for vehicles that are just outside of the requirements for the Supreme plan. It includes all of the components the Supreme plan covers with the exception of the turbocharger and navigation systems.

Driveline

The Driveline plan is designed for vehicles that are 4 to 10 years old with 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.

  Supreme Select Driveline
Deductible $100 $100 $200
Percent Plan Pays Toward Repairs 100% 100% 100%
Engine
Transmission
Transfer Case
Drive Axle
Differential Assembly
Cooling System
Air Conditioning and Heating
Electrical
Timing Chain
Front and Rear Suspension  
Select Brake System Components  
Turbo Charger    
Navigation Optional    
Roadside Assistance
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 does offer Ambassador Maintenance Plans. These car maintenance plans offer guaranteed discounts between 50 and 75 percent on repairs, 24/7 roadside assistance, rental car reimbursement, and more for older cars. However, the Protect My Car Ambassador plans do not provide protection on the same level as an extended warranty.

  Ambassador Platinum Ambassador Pro Ambassador Elite
Deductible 25% 50% 50%
Engine
Transmission
Transfer Case
Drive Axle
Differential Assembly
Front and Rear Suspension
Cooling System
Air Conditioning and Heating
Electrical
Select Brake System Components
Timing Chain
Turbo Charger
Roadside Assistance  
Rental Car Reimbursement
Oil Change
Tire Rotations
 

 


 

How Much Does A Protect My Car Warranty Plan Cost?

Like most extended warranty companies, Protect My Car does not disclose the exact cost of its extended auto warranty unless you get a quote. The cost of your protection will depend on factors including your car’s make, model, and mileage and your driving history. The company does, however, disclose other financial aspects of its contracts, such as deductibles and payment plan options. 

Protect My Car’s flexible and lengthy payment terms of 36 to 48 months are significantly longer than the terms offered by other third-party auto warranty companies. While these terms can make the monthly payment more affordable for customers, 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 of its extended car warranty plans.

To get 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

 
 

 


 

How A Claim With Protect My Car Works

The claims process with Protect My Car is very straightforward. To file a claim, you simply 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 identity and 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 either pays the repair facility directly or reimburses you for the repair costs, less the deductible, which you’ll need to pay upfront. The necessary documentation must be submitted to Protect My Car’s claims department within 30 days, but Protect My Car’s contracts are unclear as to whether that 30 days begins at the time the issue is identified, diagnosed, repaired, or otherwise.

 


 

What’s Not Covered

As is the case with most extended auto warranty plans, Protect My Car contracts do not cover repairs and replacements resulting from the following:

  • Accidental damage
  • Weather
  • Competitive driving
  • Lack of proper maintenance
  • Issues that existed before your Protect My Car contract started

 


 

Added 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 between the true value of these benefits. 

Roadside Assistance

According to Protect My Car’s website, the company promises to “be there to help you through each step” when the inevitable 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 jumpstart
  • Lockout service
  • Changing a flat tire
  • Gas delivery during an emergency

Any roadside assistance that exceeds $100 will be the responsibility of the driver, which means 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 your 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

We gave Protect My Car a 4.5 star rating (out of 5.0 stars) and awarded it Best Maintenance Benefits in 2021. The choice between an extended warranty and maintenance contract gives drivers a lot of flexibility, and Protect My Car reviews highlight long and flexible payment terms.

 


 

Our Take On Protect My Car: 4.5 Stars

We rate Protect My Car 4.5 out of 5.0 stars and recognize it for having the Best Maintenance Benefits in 2021. The choice between an extended warranty and a vehicle service contract gives drivers a lot of flexibility, and Protect My Car reviews highlight long and flexible payment terms.

Pros Cons
Protect My Car customers have access to PMC Rewards, a shopping and dining discount reward program.

To qualify for an extended warranty, your vehicle cannot be more than 13 years old.

All warranty plans include 24/7 roadside assistance.

Plans are not offered in Alaska, California, Hawaii, Missouri, Oklahoma, or Washington.

Protect My Car has flexible payment terms that last between 36 and 48 months, making coverage significantly more affordable on a monthly basis.

We had trouble obtaining a quote in a timely manner when we reached out on ProtectMyCar.com.

For cars over 13 years that do not qualify for a Protect My Car extended warranty plan, the company’s Ambassador Maintenance Plans offer significant repair discounts, plus benefits such as free oil changes and tire rotations.

 

 

While it does not provide an extended warranty for vehicles older than 13 years, the Ambassador Maintenance Plans seem like a good alternative, especially with its discounts on repairs and benefits, such as free oil changes and tire rotations.

Check the price for a Protect My Car extended warranty for your vehicle with the quote button below.

 

FAQ: Protect My Car

Is Protect My Car a legit warranty provider?

Protect My Car is one of the most popular extended warranty providers in the country. The company has high customer ratings from the BBB and Trustpilot and has been in business since 2005.

What is the best car protection company?

Our team rated Endurance as the top warranty provider in the country by a small margin. CARCHEX, CarShield, and Protect My Car also scored well in our research.

Is an extended auto warranty worth it?

There's no way to know if you will use all of the protection you pay for with an extended warranty. However, knowing you won't need to worry about sudden expensive repairs can give you peace of mind on the road that may be worth the price to you.

What is Protect My Car's cancellation policy?

You can cancel your Protect My Car extended warranty within the first 30 days for a full refund if you change your mind.

 


 

Other Top Extended Warranty Providers

It’s always smart 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. There are also more than a few options for third-party car warranty companies.

Based on our research, our team recommends EnduranceCarShield, and CARCHEX. These companies scored highest in our industry-wide review for their strong customer service reputations, five coverage plans or more, and competitive pricing.

 

 


 

Methodology

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.