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Liberty Auto Protection provides a variety of coverage plans with a few added benefits, but is it a good choice?
In this article, we’ll take an in-depth look at Liberty Auto Protection to help answer that question. Read on to learn more about the company’s plan options, see how much coverage might cost you, and find out about the claims process.
Before making any extended warranty purchase, it’s smart to get quotes from multiple providers. Our review team has ranked the best extended car warranty companies on the market, and you can easily start comparing free, personalized quotes by clicking below.
| Best Direct Coverage | Best for Older Vehicles | Best Prices |
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| Endurance | CARCHEX | CarShield |
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| Get Quote | Get Quote | Get Quote |
| (877) 374-1840 | (866) 254-0205 | (800) 563-2761 |
Liberty Auto Protection Highlights
Liberty Automotive Protection? operates under Palmer Administrative Services LLC., which oversees extended warranty plans. The company is based in Ocean, New Jersey and has been in business since 2011. Liberty Auto Protection does not have its own profile with the Better Business Bureau (BBB), but Palmer Administrative Services currently holds a B rating with accreditation for its communication with customers and ethical business practices.
Liberty Auto Protection vehicle service plans are sold nationwide, but specific plan availability varies by state. Drivers with a Liberty Auto Protection warranty can have covered repairs performed at either authorized repair facilities or participating dealerships.
Liberty Auto Protection Extended Warranty Coverage
Liberty Auto Protection offers six extended warranty plans, including:
- Elite Exclusionary: A bumper-to-bumper warranty that covers most components, with exclusions for maintenance parts and wear-and-tear items
- Royal Select: High-level stated-component coverage that protects nearly all major vehicle systems
- Premier: A mid-tier plan that covers most vital components
- Classic: Enhanced powertrain coverage that includes select systems like the air conditioning and standard electrical components
- Powertrain: Basic powertrain coverage
- Basic: Protects only your engine
To get a better idea of which plan best suits your needs, here’s a comparison of Liberty Auto Protection coverage:
| Elite Exclusionary | Royal Select | Premier | Classic | Powertrain | Basic | |
|---|---|---|---|---|---|---|
| Engine | ? | ? | ? | ? | ? | ? |
| Transmission | ? | ? | ? | ? | ? | |
| Drive Axles | ? | ? | ? | ? | ? | |
| Transfer Case | ? | ? | ? | ? | ||
| Seals and Gaskets | ? | ? | ? | ? | ||
| Water Pump | ? | ? | ? | ? | ||
| Standard Electrical | ? | ? | ? | ? | ||
| Air Conditioning | ? | ? | ? | ? | ||
| Fuel System | ? | ? | ? | |||
| Luxury Electrical | ? | ? | ? | |||
| Steering | ? | ? | ||||
| Cooling System | ? | ? | ||||
| Suspension | ? | ? | ||||
| Brakes | ? | ? | ||||
| Anti-Lock Braking System | ? | ? | ||||
| Turbocharger | ? |
Additional Benefits
Liberty Auto Protection plans also come with a few perks, including:
- Towing coverage
- Car rental coverage
- Trip interruption coverage
- Emergency roadside assistance
All Liberty Auto Protection warranty plans are transferable to a subsequent owner, and you will never be denied coverage for filing too many claims.
Liberty Auto Protection Cost
Liberty Auto Protection does not offer sample pricing on its website. This is likely because there’s no one-size-fits-all cost for extended auto warranties.
The cost of an extended warranty plan from Liberty Auto Protection will depend on a few factors, including:
- Coverage level: Often, comprehensive coverage costs more than basic coverage.
- Contract length: Longer contracts typically are more expensive than shorter contracts.
- Deductible: Usually, picking a lower deductible will give you a higher monthly premium cost.
- Vehicle make and model: If you have a high-tech or luxury vehicle, you should expect to pay more for extended car warranty coverage.
- Vehicle age and mileage: Older, higher-mileage vehicles often need more frequent and more severe repairs, so they’re more expensive to cover.
If you can’t afford to pay upfront for warranty coverage, Liberty Auto Protection offers financing through monthly payment plans. However, be sure to check that you won’t have to pay interest if you go this route. You may also be offered the option to roll the cost of your warranty into your auto loan. We don’t recommend financing an extended warranty this way, as you’ll certainly end up paying interest on the coverage.
How to Get a Quote & File a Claim
To get a quote from Liberty Auto Protection, you’ll need to reach out to a participating agent or dealership.
To file a claim with Liberty Auto Protection, have your repair shop call the provider to discuss the needed repairs. If the work is authorized, Liberty Auto Protection will pay the repair shop directly, meaning you won’t have to wait around for a reimbursement check.
Liberty Auto Protection Reviews
As mentioned above, Liberty Auto Protection does not have its own BBB profile. However, customer reviews of Palmer Administrative Services, the provider’s parent company, are mixed.
This isn’t uncommon for an extended warranty provider. Some customers mention a smooth claims process and cost-effective plans, while others note the provider’s unhelpful customer service representatives.
Conclusion: Is Liberty Auto Protection Worth It?
Overall, Liberty Auto Protection is an average extended warranty provider. While we do like the number of coverage plans Liberty Auto Protection offers, there’s little information available regarding coverage details, customer reviews, and the quotes and claims processes.
Taking these factors into consideration, we recommend looking into high-quality providers that offer upfront sample contracts and have plenty of positive customer reviews to ensure they’re worth working with. Learn about a couple of the most reputable extended car warranty companies below.
Our Top Recommendations for Extended Car Warranties
It’s always a good idea to get multiple quotes from extended warranty providers before signing a contract. That way, you can compare coverage and costs and make sure you’re getting the best bang for your buck. We recommend reaching out to Endurance and CARCHEX, the two providers that scored the highest in our industry-wide review.
Endurance: Best Direct Coverage
Endurance offers five comprehensive coverage plans to choose from and gives drivers the best added-benefits package of any warranty provider on the market.
Here are a few other highlights of this company:
- Endurance offers high-quality coverage at affordable rates.
- Contract term limits can extend up to 15 years or 200,000 miles.
- The provider offers thousands of repair shop options across the U.S.
- Drivers can purchase an extended warranty with Endurance at any time.
- Endurance provides online sample contracts for all of its coverage plans.
For more information, read our complete Endurance warranty review. You can also use the tool below to receive a free, personalized quote from the provider.
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Best Direct Coverage
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Industry veteran that handles your plan directly, from quote to claim |
CARCHEX: Best for Older Vehicles
CARCHEX is one of the biggest names in the auto warranty industry with over 20 years of experience. It’s endorsed by other household names like Kelley Blue Book, CARFAX, and Edmunds.com.
Here’s an overview of why we recommend this provider:
- It received an A+ rating from the BBB.
- You can choose from five coverage plans.
- Term limits can extend up to 10 years or 250,000 miles.
- The provider offers sample contracts online for added transparency.
- There’s a specialty extended service plan for high-mileage vehicles available.
- CARCHEX covers vehicles up to 20 years old or with up to 120,000 miles on the odometer.
Read our comprehensive CARCHEX review for a more in-depth look at this provider, and click below to reach out for a free quote.
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Best for Older Vehicles
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Top-rated provider with unmatched customer service and affordable coverage |
Original article: Liberty Auto Protection Extended Warranty Review (2020)
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